Investment options of CATALIGHT FOUNDATION 403(B) PLAN
Total Available Funds: 29
| Investment Description |
|---|
| Voya Voya T. Rowe Price Capital Appreciation Portfolio |
| Voya Voya Russell Large Cap Growth |
| Voya Voya T. Rowe Price Diversified Mid Cap Growth Portfolio Fund |
| Voya Fidelity VIP Contrafund Portfolio |
| PIMCO Income Institutional Fund |
| American Century Investments American Century One Choice Income Retirement Portfolio Fund |
| American Century Investments American Century One Choice 2025 Portfolio Fund |
| American Century Investments American Century One Choice 2030 Portfolio Fund |
| American Century Investments American Century One Choice 2035 Portfolio Fund |
| American Century Investments American Century One Choice 2040 Portfolio Fund |
| American Century Investments American Century One Choice 2045 Portfolio Fund |
| American Century Investments American Century One Choice 2050 Portfolio Fund |
| American Century Investments American Century One Choice 2055 Portfolio Fund |
| American Century Investments American Century One Choice 2060 Portfolio Fund |
| American Century Investments American Century One Choice 2065 Portfolio Fund |
| Fidelity Investments Fidelity |
| JPMorgan JP Morgan Equity Income R6 Fund |
| JPMorgan JP Morgan Large Cap Growth R6 Fund |
| Carillon Tower Advisers Carillon Eagle Mid Cap Growth R6 Fund |
| Dimensional Fund Advisors DFA US Targeted Value I Fund |
| Fidelity Investments Fidelity Mid Cap |
| Fidelity Investments Fidelity Small Cap |
| MFS Mid Cap Value R6 Fund |
| American Funds EuroPacific Growth R6 Fund |
| American Funds New World R6 Fund |
| Fidelity Investments Fidelity International |
| Vanguard Growth Index Admiral Fund |
| Vanguard Long-Term Bond |
| interest from 4.25% to 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for CATALIGHT FOUNDATION 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 CATALIGHT FOUNDATION 403(B) PLAN