Investment options of TALIVITY 401(K) SAVINGS PLAN
Total Available Funds: 42
| Investment Option List |
|---|
| EATON VANCE FLOAT RATE ADV A (EIBLX) |
| CLEARBRIDGE LARGE CAP GROWTH A (SBLYX) |
| MFS INTL DIVERSIFICATION R3 (BIIDX) |
| ISHARES MSCI EAFE INTL INDEX A (BTMGX) |
| ISHARES RUSSELL MIDCAP INDEX A (CIETX) |
| FIDELITY GOVT MONEY MRKT PREM |
| FIDELITY ADV FREEDOM 2025 – A (FFTWX) |
| FIDELITY ADV FREEDOM 2055 – A (FDEWX) |
| FIDELITY ADVISOR BALANCED A (FBAOX) |
| HARTFORD INTERNATIONAL OPP R4 (HMITX) |
| FIRST EAGLE GLOBAL R6 (SGIIX) |
| ISHARES S&P 500 INDEX A (BSPPX) |
| FIDELITY ADV FREEDOM 2010 – A (FFFCX) |
| FIDELITY ADVISOR FREEDOM 2040 (FIFFX) |
| FIDELITY ADV FREEDOM 2030 – A (FFFEX) |
| FIDELITY ADV FREEDOM 2065 – A (FAXDX) |
| FIDELITY ADV FREEDOM 2020 – A (FFFDX) |
| FIDELITY ADV FREEDOM 2015 – A (FFVFX) |
| COLUMBIA DIV INC FD – A (CSVEX) |
| MFS MID CAP GROWTH FUND R3 (OTCHX) |
| PRINCIPAL SMALLCAP R3 (SCPGX) |
| AMERICAN BEACON SM CP VAL ADV |
| LORD ABBETT SHORT DUR INC R4 (LLDYX) |
| FIDELITY ADV FREEDOM 2045 – A (FFFGX) |
| FIDELITY ADV FREEDOM 2060 A (FDKNX) |
| INVESCO GLOBAL OPPS – A (GADDX) |
| LAZARD GLBL LSTD INFRA PORT O |
| FIDELITY ADV FREEDOM 2050 – A (FFFHX) |
| FIDELITY ADV FREEDOM 2035 – A (FFTHX) |
| GOLDMAN LARGE CAP GROWTH A (GCGIX) |
| VIRTUS MD CP VAL EQ A |
| AMERICAN FUNDS AMER BAL – R4 |
| BNY MELLON BOND MARKET INDEX I |
| DLSHILLER ENHANCED CAPE N |
| VICTORY EMERGING MARKETS A (RSERX) |
| PIMCO REAL RETURN – ADMIN (PRLPX) |
| JANUS HENDERSONTRITON FUND – S (JANUS) |
| PIMCO INCOME FUND – A (PFIIX) |
| PGIM HIGH YIELD FUND – R2 (PHYEX) |
| FIDELITY ADV FREEDOM INC – A (FFFAX) |
| ISHARES RUSSELL 2000 SM CAP A (BDBPX) |
| COHEN & STEERS REAL EST SEC A (CSDIX) |
Investment model portfolios
We provide two types of investment model portfolios for TALIVITY 401(K) SAVINGS PLAN 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 TALIVITY 401(K) SAVINGS PLAN