Investment options of CARDINAL SERVICES, INC. 401K PLAN
Total Available Funds: 38
| Investment Option List |
|---|
| BlackRock BTMKX – iShares MSCI EAFE International Index Fund Class K (BTMKX) |
| Dimensional Fund Advisors DFCEX – DFA Emerging Markets Core Equity Portfolio Institutional Class |
| Fidelity FXNAX – Fidelity US Bond (FXNAX) |
| JPMorgan JCPUX – JPMorgan Core Plus Bond Fund R6 (JCPUX) |
| Oppenheimer Funds OGMIX – Oppenheimer Gold & Special Minerals I (OGMIX) |
| Principal PHYTX – Principal Investors High Yield Ii (PHYTX) |
| American Funds RERGX – American Funds EuroPacific Growth Fund Class R6 |
| American Funds RNPGX – American Funds New Perspective R6 (RNPGX) |
| Vanguard VAIPX – Vanguard Inflation-Protected Securities Fund Admiral Shares (VAIPX) |
| Vanguard VBILX – Vanguard Intermediate-Term Bond Index Fund Admiral Shares (VBILX) |
| Vanguard VBIRX – Vanguard Short-Term Bond Index Fund Admiral Shares (VBIRX) |
| Vanguard VCSAX – Vanguard Consumer Staples Index (VCSAX) |
| Vanguard VENAX – Vanguard Energy Index Admiral (VENAX) |
| Vanguard VFFVX – Vanguard Target Retirement 2055 (VFFVX) |
| Vanguard VFIAX – Vanguard 500 Index Admiral |
| Vanguard VFIFX – Vanguard Target Retirement 2050 (VFIFX) |
| Vanguard VFORX – Vanguard Target Retirement 2040 (VFORX) |
| Vanguard VIMAX – Vanguard Mid-Cap Index Fund Admiral Shares (VIMAX) |
| Vanguard VITAX – Vanguard Information Technology Index Fund Admiral Shares (VITAX) |
| Vanguard VLXVX – Vanguard Target Retirement 2065 Inv (VLXVX) |
| Vanguard VMGMX – Vanguard Mid-Cap Growth Index Fund Admiral Shares (VMGMX) |
| Vanguard VMVAX – Vanguard Mid Cap Value Index Admiral (VMVAX) |
| Vanguard VSGAX – Vanguard Small-Cap Growth Index Fund Admiral Shares (VSGAX) |
| Vanguard VSGDX – Vanguard Short-Term Federal Fund Admiral Shares (VSGDX) |
| Vanguard VSIAX – Vanguard Small Cap Value Index Fund Admiral Shares (VSIAX) |
| Vanguard VSMAX – Vanguard Small-Cap Index Fund Admiral Shares (VSMAX) |
| Vanguard VSVNX – Vanguard Target Retirement 2070 (VSVNX) |
| Vanguard VTAPX – Vanguard Short-Term Inflation-Protected Securities Index Fund Admiral Shares (VTAPX) |
| Vanguard VTHRX – Vanguard Target Retirement 2030 (VTHRX) |
| Vanguard VTINX – Vanguard Target Retirement Income (VTINX) |
| Vanguard VTIVX – Vanguard Target Retirement 2045 (VTIVX) |
| Vanguard VTTHX – Vanguard Target Retirement 2035 (VTTHX) |
| Vanguard VTTSX – Vanguard Target Retirement 2060 (VTTSX) |
| Vanguard VTTVX – Vanguard Target Retirement 2025 (VTTVX) |
| Vanguard VTWNX – Vanguard Target Retirement 2020 (VTWNX) |
| Vanguard VUIAX – Vanguard Utilities Index Admiral (VUIAX) |
| Vanguard VVIAX – Vanguard Value Index Fund Admiral Shares (VVIAX) |
| Vanguard VWUAX – Vanguard Us Growth Admiral (VWUAX) |
Investment model portfolios
We provide two types of investment model portfolios for CARDINAL SERVICES, INC. 401K 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 CARDINAL SERVICES, INC. 401K PLAN