Investment options of SAGE 401K RETIREMENT and SAVINGS PLAN
Total Available Funds: 27
| Investment Option List |
|---|
| Vanguard Large Cap Index Admiral Fund N/R (VLCAX) |
| JP Morgan JP Morgan Equity Income R6 Fund N/R |
| Vanguard Mid Cap Index Admiral Fund N/R (VIMSX) |
| Vanguard Small Cap Index Admiral Fund N/R (VISVX) |
| Pioneer Bond K Fund N/R |
| Carillon Carillon Eagle Mid Cap Growth R6 Fund N/R (HRAYX) |
| Victory Sycamore Victory Sycamore Established Value R6 Fund N/R (GETGX) |
| Janus Henderson Triton N Fund N/R (JSMGX) |
| Pioneer Strategic Income K Fund N/R (STIZX) |
| Allspring Allspring Special Small Cap Value R6 Fund N/R (ESPIX) |
| DFA Inflation Protected Securities I Fund N/R (DIPSX) |
| American Funds New World R6 Fund N/R (HVWBX) |
| American Funds EuroPacific Growth R6 Fund N/R (FEPUX) |
| American Century Retirement Date 2040 Trust III N/R (REGTX) |
| American Century Retirement Date 2045 Trust III N/R (REHTX) |
| American Century Retirement Date 2035 Trust III N/R (REFTX) |
| American Century Retirement Date 2055 Trust III N/R (FAJTX) |
| American Century Retirement Date 2050 Trust III N/R (REITX) |
| American Century Retirement Date 2030 Trust III N/R (REETX) |
| Great Gray Large Cap Growth Fund III Class R1 N/R (MXLGX) |
| American Century Retirement Date 2060 Trust III N/R (CCKTX) |
| American Century Retirement Date 2025 Trust III N/R (REDTX) |
| Great Gray Columbia Overseas Value CIT Class R Fund N/R (COSZX) |
| American Century Income Retirement Trust III N/R (AANPX) |
| Great Gray Great Gray EuroPacific Growth Trust Class R1 N/R |
| American Century Retirement Date 2065 Trust III N/R (FBMTX) |
| from 5.25% to 10.50%, maturing through February |
Investment model portfolios
We provide two types of investment model portfolios for SAGE 401K RETIREMENT and 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 SAGE 401K RETIREMENT and SAVINGS PLAN