Investment options of ARSHT CENTER 401(K) PLAN
Total Available Funds: 22
| Investment Option List |
|---|
| JP Morgan US Equity R6 |
| Vanguard 500 Index Admiral Shares (VFINX) |
| JP Morgan Large Cap Growth R6 (SNIGX) |
| DFA International Core Equity I (DSCLX) |
| Fidelity International (FDIVX) |
| T. Rowe Price Balanced I (PRTEX) |
| Fidelity Large Cap Growth (FSLGX) |
| Vanguard Small-Cap Index Fund Admiral Shares (VSMAX) |
| MFS Value R6 (MINIX) |
| Fidelity Large Cap Value (FSLVX) |
| JP Morgan Mid-Cap Growth R5 (DGRDX) |
| Wells Fargo Special Mid-Cap Value Institutional Fund (SMCDX) |
| Vanguard Hood River Small-Cap Gr Ret (HRSIX) |
| Columbia Mid-Cap Index Instl (ARMEX) |
| Vanguard FTSE Social Index Fund Admiral Shares (VFTNX) |
| American Funds New Perspective R6 (FFPNX) |
| Vanguard Small-Cap Value Index Fund Admiral Shares (VSIAX) |
| Vanguard Long-Term Investment Grade Fund Admiral (VWESX) |
| Vanguard Balanced Index IDM (VBINX) |
| Charles Schwab US Mid-Cap (SWMCX) |
| Notes Receivable from Interest rate of 3.25% – 8.50%; maturity dates $– |
| particpants through |
Investment model portfolios
We provide two types of investment model portfolios for ARSHT CENTER 401(K) 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 ARSHT CENTER 401(K) PLAN