Investment options of CHRISTOPHER COMMUNITY, INC 403(B) PLAN
Total Available Funds: 23
| Investment Option List |
|---|
| Schwab S&P 500 Index Registered investment company |
| American Funds 2035 Target Date Registered investment company (REFTX) |
| American Funds 2040 Target Date Registered investment company (REGTX) |
| American Funds 2045 Target Date Registered investment company (REHTX) |
| American Funds 2030 Target Date Registered investment company (REETX) |
| T. Rowe Price Blue Chip Growth Registered investment company (TRBCX) |
| American Funds 2025 target Date Registered investment company (REDTX) |
| Fidelity Mid-Cap Index Registered investment company |
| American Funds 2055 Target Date Registered investment company (FAJTX) |
| American Funds New Perspective Registered investment company (FFPNX) |
| Vanguard Small Cap Index Registered investment company |
| American Funds 2050 Target Date Registered investment company (REITX) |
| Vanguard Equity Income Fund Registered investment company (VEIPX) |
| American Funds American Balanced Registered investment company (GBLAX) |
| American Funds 2060 Target Date Registered investment company (CCKTX) |
| BNY Mellon Small/Mid-Cap Growth Registered investment company |
| Vanguard Mid-Cap Value Index Registered investment company |
| Western Asset Core Bond Fund Registered investment company |
| Undiscovered Mngr Behavior Val Registered investment company |
| Vanguard GNMA Admiral Shares Registered investment company (GNMA) |
| Janus Henderson Triton Fund Registered investment company (JCNNX) |
| American Funds 2015 Target Date Registered investment company (REJTX) |
| through January 2029 |
Investment model portfolios
We provide two types of investment model portfolios for CHRISTOPHER COMMUNITY, INC 403(B) 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 CHRISTOPHER COMMUNITY, INC 403(B) PLAN