Investment options of EVO 401(K) SAVINGS PLAN
Total Available Funds: 29
| Investment Description |
|---|
| TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY STABLE VALUE FUND |
| AMERICAN CENTURY SHORT DURATION R5 |
| AMERICAN CENTURY EMERGING MARKETS R6 |
| AMERICAN CENTURY AMERICAN BALANCED R6 |
| AMERICAN FUNDS AMERICAN FUNDS AMERICAN BALANCED R6 |
| AMERICAN FUNDS EUROPACIFIC GR R5 |
| AMERICAN FUNDS NEW PERSPECTIVE R6 |
| BLACKROCK MIDCAP GROWTH EQUITY K |
| BLACKROCK TOTAL RETURN K |
| DFA WORLD EX US GOVT FIXED INCOME I |
| HARTFORD CORE EQUITY R6 |
| HARTFORD DIVIDEND AND GROWTH R6 |
| JP MORGAN SMALL CAP GROWTH R6 |
| STATE STREET INSTL US GOVT MONEY MARKET PREMIER |
| TIAA- CREF LIFECYCLE INDEX 2010 INST |
| TIAA- CREF LIFECYCLE INDEX 2015 INST |
| TIAA- CREF LIFECYCLE INDEX 2020 INST |
| TIAA- CREF LIFECYCLE INDEX 2025 INST |
| TIAA- CREF LIFECYCLE INDEX 2030 INST |
| TIAA- CREF LIFECYCLE INDEX 2035 INST |
| TIAA- CREF LIFECYCLE INDEX 2040 INST |
| TIAA- CREF LIFECYCLE INDEX 2045 INST |
| TIAA- CREF LIFECYCLE INDEX 2050 INST |
| TIAA- CREF LIFECYCLE INDEX 2055 INST |
| VANGUARD MID CAP INDEX |
| VANGUARD SMALL CAP INDEX |
| VANGUARD 500 INDEX ADMIRAL |
| T. ROWE PRICE T. ROWE PRICE INTL DISCOVERY I |
| WELLS FARGO WELLS FARGO SPEC MID CAP VAL R6 |
Investment model portfolios
We provide two types of investment model portfolios for EVO 401(K) SAVINGS 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 EVO 401(K) SAVINGS PLAN