Investment options of Tri State 401 K Plan And Trust
Total Available Funds: 27
| Investment Option List |
|---|
| FIDELITY MANAGEMENT TRUST COMPANY GOVERNMENT MONEY MARKET (SPAXX) |
| FIDELITY MANAGEMENT TRUST COMPANY 500 INDEX (FUSEX) |
| BLACKROCK LIFEPATH INDEX 2030 (STLDX) |
| BLACKROCK LIFEPATH INDEX 2025 (LPBIX) |
| BLACKROCK LIFEPATH INDEX 2035 (LPJCX) |
| BLACKROCK LIFEPATH INDEX RETIREMENT (STLAX) |
| VANGUARD EQUITY-INCOME (VEIPX) |
| BLACKROCK LIFEPATH INDEX 2045 (LPHRX) |
| BLACKROCK LIFEPATH INDEX 2050 (LPRFX) |
| BLACKROCK LIFEPATH INDEX 2040 (STLEX) |
| BAIRD CORE PLUS BOND (BCOIX) |
| BLACKROCK LIFEPATH INDEX 2055 (LEVAX) |
| VANGUARD SHORT-TERM BOND INDEX (VBISX) |
| FIDELITY MANAGEMENT TRUST COMPANY SMALL CAP INDEX (FSISX) |
| VICTORY SYCAMORE ESTABLISHED VALUE (GETGX) |
| FIDELITY MANAGEMENT TRUST COMPANY MID CAP INDEX (FIIMX) |
| FIDELITY MANAGEMENT TRUST COMPANY OVERSEAS (FOSFX) |
| JANUS HENDERSON ENTERPRISE (JMGRX) |
| VANGUARD DEVELOPED MARKETS INDEX (VDMIX) |
| BLACKROCK LIFEPATH INDEX 2060 (BAPAX) |
| AMERICAN FUNDS NEW WORLD (HVWBX) |
| VICTORY SYCAMORE SMALL COMPANY OPPORTUNITY (VSOIX) |
| COHEN & STEERS REAL ESTATE (CSDIX) |
| WILMINGTON TRUST, N. A. PIONEER LARGE CAP GROWTH (ORLRX) |
| FIDELITY MANAGEMENT TRUST COMPANY MANAGED INCOME PORTFOLIO (FRHMX) |
| WASATCH CORE GROWTH CIT (WGROX) |
| FIDELITY MANAGEMENT TRUST COMPANY SELF DIRECTED BROKERAGE LINK |
Investment model portfolios
We provide two types of investment model portfolios for Tri State 401 K 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 Tri State 401 K Plan And Trust