Investment options of ENVOY 401(K) PLAN
Total Available Funds: 29
| Investment Description |
|---|
| Principal Global Inv. Trust Company Lifetime Hybrid 2015 CIT Fund Z # |
| Principal Global Inv. Trust Company Lifetime Hybrid 2025 CIT Fund Z # |
| Principal Global Inv. Trust Company Lifetime Hybrid 2035 CIT Fund Z # |
| Principal Global Inv. Trust Company Lifetime Hybrid 2040 CIT Fund Z # |
| Principal Global Inv. Trust Company Lifetime Hybrid 2045 CIT Fund Z # |
| Principal Global Inv. Trust Company Lifetime Hybrid 2050 CIT Fund Z # |
| Principal Global Inv. Trust Company Lifetime Hybrid 2055 CIT Fund Z # |
| Principal Global Inv. Trust Company Lifetime Hybrid 2060 CIT Fund Z # |
| Principal Global Inv. Trust Company Lifetime Hybrid 2065 CIT Fund Z # |
| Principal Global Inv. Trust Company Lifetime Hybrid 2070 CIT Fund Z # |
| Principal Global Inv. Trust Company Lifetime Hybrid Income CIT Fund Z # |
| Great Gray Trust Company Small Cap Growth Fund II R1 # |
| Great Gray Trust Company Large Cap Value II Fund # |
| Blackrock High Yield Bond K Fund # |
| Capital World Bond Fund # |
| Natixis Loomis Core Plus Bond Fund # |
| PIMCO Income Institutional Fund # |
| JP Morgan Large Cap Growth Fund # |
| New Perspective New Perspective Fund # |
| Fidelity Investments Fidelity 500 Index Fund # |
| Fidelity Investments Fidelity Mid Cap Index Fund # |
| Fidelity Investments Fidelity Small Cap Index Fund # |
| Vanguard Group Mid Cap Growth Index Adm Fund # |
| Vanguard Group Mid Cap Val Index Adm Fund # |
| Vanguard Group REIT Index Adm Fund # |
| Vanguard Group Small Cap Val Index Adm Fund # |
| Vanguard Group Developing Mkts Index Adm Fund # |
| Vanguard Group Emerging Mk Stk Index Amd Fund # |
| maturing through November 2029 |
Investment model portfolios
We provide two types of investment model portfolios for ENVOY 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 ENVOY 401(K) PLAN