Investment options of TRANSGROUP 401(K) PROFIT SHARING PLAN AND TRUST
Total Available Funds: 27
| Investment Option List |
|---|
| Fidelity Freedom Index 2030 Investor Registered Investment Company (FFFEX) |
| Fidelity Freedom Index 2035 Investor Registered Investment Company (FFTHX) |
| Fidelity Freedom Index 2040 Investor Registered Investment Company (FFFFX) |
| Fidelity Freedom Index 2045 Investor Registered Investment Company (FFFGX) |
| Fidelity Freedom Index 2025 Investor Registered Investment Company (FFTWX) |
| Fidelity Freedom Index 2050 Investor Registered Investment Company (FFFHX) |
| DFA U.S. Core Equity I Portfolio Institutional Class Registered Investment Company (GEIVX) |
| DFA U.S. Core Equity II Portfolio Institutional Class Registered Investment Company (GEIVX) |
| Fidelity Freedom Index 2055 Investor Registered Investment Company (FDEWX) |
| Fidelity Freedom Index 2020 Investor Registered Investment Company (FFFDX) |
| DFA International Core Equity Portfolio Institutional Registered Investment Company (DSCLX) |
| Fidelity Freedom Index 2065 Investor Registered Investment Company (FAXDX) |
| Fidelity Freedom Index 2060 Investor Registered Investment Company (FDKNX) |
| Fidelity Freedom Index 2010 Investor Registered Investment Company (FFFCX) |
| Vanguard Short-Term Bond Index Fund Admiral Share Registered Investment Company (VBISX) |
| DFA Global Equity Portfolio Institutional Class Registered Investment Company (DGBEX) |
| Fidelity Floating Rate High Income Fund Registered Investment Company (FFRHX) |
| PIMCO Income Fund Institutional Class Registered Investment Company (PFIIX) |
| Vanguard Developed Markets Index Fund Admiral Shares Registered Investment Company (VDMIX) |
| DFA Emerging Markets Core Equity I Registered Investment Company (DAADX) |
| PIMCO High Yield Fund Institutional Class Registered Investment Company (PHSPX) |
| Nuveen Preferred and Income Opportunities Fund Registered Investment Company (XJPCX) |
| Fidelity Inflation-Protected Bond Index Fund Registered Investment Company (FINPX) |
| Fidelity Freedom Index Income Investor Registered Investment Company (FFFAX) |
| Fidelity Freedom Index 2015 Investor Registered Investment Company (FFVFX) |
| Fidelity Freedom Index 2070 Investor Registered Investment Company (FRBDX) |
| maturing through January 2030 |
Investment model portfolios
We provide two types of investment model portfolios for TRANSGROUP 401(K) PROFIT SHARING PLAN AND TRUST participants. You can customize and follow a model portfolio in your plan account.
Types of portfolio strategies
- Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
- Less error-prone
- Infrequent rebalancing or transactions
- Tax efficient for taxable brokerage investments
- Cons:
- Interim loss or drawdown can be substantial
- Possible low returns for an extended period, such as 10 years or longer
- Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
- Reduce large interim loss or drawdown
- Less sensitive to investment entry point
- Likely to improve returns
- Cons
- Demand more frequent rebalancing or transactions
- Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
- Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets
These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.
Let us know (Email us) if you need help to create a custom model portfolio for your plan.
Retirement Plan (401(k)) Info for TRANSGROUP 401(K) PROFIT SHARING PLAN AND TRUST