Investment options of CURRENT HR 401(K) PLAN
Total Available Funds: 71
| Investment Description |
|---|
| BlackRock BTMKX – iShares MSCI EAFE International Index Fund Class K |
| Dimensional Fund Advisors DFCEX – DFA Emerging Markets Core Equity Portfolio Institutional Class |
| Dimensional Fund Advisors DFESX – DFA Emerging Markets Social Core Portfol |
| Dimensional Fund Advisors DFLVX – DFA Us Large Cap Value Prtf Instl |
| Dimensional Fund Advisors DFUEX – DFA Social Equity Core 2 |
| Dimensional Fund Advisors DIPSX – DFA Inflation Protected Sec Port |
| Fidelity FATIX – Fidelity Advisor Technology |
| Fidelity FXAIX – Fidelity 500 Index Fund |
| Fidelity FXNAX – Fidelity US Bond Index Fund |
| JP Morgan JCPUX – JPMorgan Core Plus Bond Fund R6 |
| JP Morgan JDEUX – JPMorgan Us Research Enhanced Equity R6 |
| Oppenheimer Funds OGMIX – Oppenheimer Gold & Special Minerals I |
| Prudential PHYZX – Prudential High Yield Z |
| American Funds RERGX – American Funds EuroPacific Growth Fund Class R6 |
| Victory URSBX – Victory Short Term Bond Fund R6 Shares |
| Vanguard Funds VBILX – Vanguard Intermediate-Term Bond Index Fund Admiral Shares |
| Vanguard Funds VCSAX – Vanguard Consumer Staples Index |
| Vanguard Funds VFFVX – Vanguard Target Retirement 2055 Fund Investor Shares |
| Vanguard Funds VFIFX – Vanguard Target Retirement 2050 Fund Investor Shares |
| Vanguard Funds VFORX – Vanguard Target Retirement 2040 Fund Investor Shares |
| Vanguard Funds VFTAX – Vanguard Ftse Social Index Admiral |
| Vanguard Funds VGELX – Vanguard Energy Admiral |
| Vanguard Funds VIGAX – Vanguard Growth Index Admiral |
| Vanguard Funds VIMAX – Vanguard Mid-Cap Index Fund Admiral Shares |
| Vanguard Funds VLXVX – Vanguard Target Retirement 2065 Inv |
| Vanguard Funds VMGMX – Vanguard Mid-Cap Growth Index Fund Admiral Shares |
| Vanguard Funds VMVAX – Vanguard Mid Cap Value Index Admiral |
| Vanguard Funds VSGAX – Vanguard Small-Cap Growth Index Fund Admiral Shares |
| Vanguard Funds VSGDX – Vanguard Short-Term Federal Fund Admiral Shares |
| Vanguard Funds VSIAX – Vanguard Small Cap Value Index Fund Admiral Shares |
| Vanguard Funds VSMAX – Vanguard Small-Cap Index Fund Admiral Shares |
| Vanguard Funds VSVNX – Vanguard Target Retirement 2070 |
| Vanguard Funds VTAPX – Vanguard Short-Term Inflation-Protected Securities Index Fund Admiral Shares |
| Vanguard Funds VTHRX – Vanguard Target Retirement 2030 |
| Vanguard Funds VTINX – Vanguard Target Retirement Income Fund Investor Class |
| Vanguard Funds VTIVX – Vanguard Target Retirement 2045 |
| Vanguard Funds VTTHX – Vanguard Target Retirement 2035 Fund Investor Shares |
| Vanguard Funds VTTSX – Vanguard Target Retirement 2060 Fund Investor Shares |
| Vanguard Funds VTTVX – Vanguard Target Retirement 2025 |
| Vanguard Funds VTWNX – Vanguard Target Retirement 2020 |
| Vanguard Funds VUIAX – Vanguard Utilities Index Admiral |
| Fidelity FXAIX – Fidelity |
| Fidelity FXNAX – Fidelity US Bond |
| JPMorgan JCPUX – JPMorgan Core Plus Bond Fund R6 |
| JPMorgan JDEUX – JPMorgan Us Research Enhanced Equity R6 |
| Vanguard VBILX – Vanguard Intermediate-Term Bond Index Fund Admiral Shares |
| Vanguard VCSAX – Vanguard Consumer Staples Index |
| Vanguard VFFVX – Vanguard Target Retirement 2055 Fund Investor Shares |
| Vanguard VFIFX – Vanguard Target Retirement 2050 Fund Investor Shares |
| Vanguard VFORX – Vanguard Target Retirement 2040 Fund Investor Shares |
| Vanguard VFTAX – Vanguard Ftse Social Index Admiral |
| Vanguard VGELX – Vanguard Energy Admiral |
| Vanguard VIGAX – Vanguard Growth Index Admiral |
| Vanguard VIMAX – Vanguard Mid-Cap Index Fund Admiral Shares |
| Vanguard VLXVX – Vanguard Target Retirement 2065 Inv |
| Vanguard VMGMX – Vanguard Mid-Cap Growth Index Fund Admiral Shares |
| Vanguard VMVAX – Vanguard Mid Cap Value Index Admiral |
| Vanguard VSGAX – Vanguard Small-Cap Growth Index Fund Admiral Shares |
| Vanguard VSGDX – Vanguard Short-Term Federal Fund Admiral Shares |
| Vanguard VSIAX – Vanguard Small Cap Value Index Fund Admiral Shares |
| Vanguard VSMAX – Vanguard Small-Cap Index Fund Admiral Shares |
| Vanguard VSVNX – Vanguard Target Retirement 2070 |
| Vanguard VTAPX – Vanguard Short-Term Inflation-Protected Securities Index Fund Admiral Shares |
| Vanguard VTHRX – Vanguard Target Retirement 2030 |
| Vanguard VTINX – Vanguard Target Retirement Income Fund Investor Class |
| Vanguard VTIVX – Vanguard Target Retirement 2045 |
| Vanguard VTTHX – Vanguard Target Retirement 2035 Fund Investor Shares |
| Vanguard VTTSX – Vanguard Target Retirement 2060 Fund Investor Shares |
| Vanguard VTTVX – Vanguard Target Retirement 2025 |
| Vanguard VTWNX – Vanguard Target Retirement 2020 |
| Vanguard VUIAX – Vanguard Utilities Index Admiral |
Investment model portfolios
We provide two types of investment model portfolios for CURRENT HR 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 CURRENT HR 401(K) PLAN