Investment options of DFCU FINANCIAL 401K PLAN
Total Available Funds: 42
| Investment Description |
|---|
| Fidelity Investments, Inc. Fidelity Contrafund K |
| Fidelity Investments, Inc. Spartan 500 Index Fund – Advantage Class |
| Fidelity Investments, Inc. Fidelity Freedom K Fund 2030 |
| Fidelity Investments, Inc. Fidelity Puritan Fund K |
| Fidelity Investments, Inc. Fidelity Freedom K Fund 2035 |
| Fidelity Investments, Inc. Fidelity Low-Priced Stock Fund K |
| Fidelity Investments, Inc. Fidelity Freedom K Fund 2045 |
| Fidelity Investments, Inc. Fidelity Freedom K Fund 2025 |
| Fidelity Investments, Inc. Fidelity Freedom K Fund 2040 |
| Fidelity Investments, Inc. Spartan International Index Fund – Fidelity Advantage Class |
| Fidelity Investments, Inc. Fidelity Freedom K Fund 2050 |
| Fidelity Investments, Inc. Fidelity Capital & Income Fund |
| Fidelity Investments, Inc. Fidelity Small Cap Value Fund |
| Fidelity Investments, Inc. Fidelity Strategic Income Fund |
| Fidelity Investments, Inc. Fidelity Freedom K Fund 2060 |
| Fidelity Investments, Inc. Fidelity Freedom K Fund 2055 |
| Fidelity Investments, Inc. Fidelity Select Health Care Portfolio |
| Fidelity Investments, Inc. Fidelity Freedom K Fund 2020 |
| Fidelity Investments, Inc. Fidelity Select Utilities Portfolio |
| Fidelity Investments, Inc. Fidelity Freedom K Fund 2065 |
| Fidelity Investments, Inc. Fidelity Mid Cap |
| Fidelity Investments, Inc. Fidelity Small Cap |
| Fidelity Investments, Inc. Fidelity Freedom K Fund 2015 |
| Fidelity Investments, Inc. Fidelity Select Energy Portfolio |
| Fidelity Investments, Inc. Fidelity Freedom K Income Fund |
| Fidelity Investments, Inc. Fidelity Select Materials Portfolio |
| Fidelity Investments, Inc. Fidelity Freedom K Fund 2070 |
| American Funds New Perspective Fund Class R6 |
| Cohen & Steers Cohen & Steers Realty Shares Fund |
| Columbia Threadneedle Columbia Ultra Short Term Bond Fund |
| DFA Emerging Markets Portfolio Insitutional Class |
| First Eagle First Eagle Global Fund Class I |
| Invesco Funds Invesco Comstock Fund Class R6 |
| John Hancock Funds Disciplined Value Mid Cap Fund Class R6 |
| J.P. Morgan JPM Mid Cap Growth |
| MFS International Growth R6 |
| PIMCO Real Return Fund Institutional Class |
| T. Rowe Price Dividend Growth Fund |
| Vanguard Wellesley Fund Admiral |
| Vanguard Explorer Fund Admiral |
| Investments, at fair value |
| Fidelity Management Trust Company Fidelity Managed Income Portfolio |
Investment model portfolios
We provide two types of investment model portfolios for DFCU FINANCIAL 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 DFCU FINANCIAL 401K PLAN