Investment options of FIDUCIARY SERVICES GROUP 401(K) PLAN
Total Available Funds: 27
| Investment Option List |
|---|
| Modern Bank Modern Bank Deposit Account |
| Vanguard 500 Index Admiral (VFINX) |
| Vanguard Small Cap Value Index Admiral (VISVX) |
| Vanguard Value Index Adm (VTRIX) |
| DFA International Small Cap Value I (DISVX) |
| Vanguard International Value Inv (VTRIX) |
| DFA Emerging Markets Core Equity I (DAADX) |
| Vanguard Small Cap Index Adm (VISVX) |
| DFA U.S. Micro Cap I (DFSCX) |
| DFA Intermediate Govt Fixed-Income I (DFIGX) |
| Fidelity International Index (FDIVX) |
| DFA International Small Company I (DISVX) |
| DFA Two-Year Global Fixed-Income I (DFGFX) |
| Vanguard Short-Term Investment-Grade Adm (VFSTX) |
| Vanguard High-Yield Corporate Adm (VWEHX) |
| Vanguard Inflation-Protected Secs Adm (VIPSX) |
| Vanguard Short-Term Bond Index Adm (VBISX) |
| Vanguard Developed Markets Index Admiral (VDMIX) |
| Vanguard Emerging Markets Stock Index Admiral (VEIEX) |
| Vanguard European Stock Index Admiral (VEURX) |
| Vanguard FTSE All World ex-US Index Admiral (VFWIX) |
| Vanguard FTSE All World ex-US Small Cap Index Admiral (VFSVX) |
| Vanguard Interm-Term Investment Grade Admiral (VFSTX) |
| Vanguard Intermediate-Term Trs Index Admiral (VBIIX) |
| Vanguard Pacific Stock Index Admiral (VPACX) |
| Vanguard Short-Term Inflation Protected Sec Index Admiral (VTSPX) |
| Rates from 4.25% to 9.50% – |
Investment model portfolios
We provide two types of investment model portfolios for FIDUCIARY SERVICES GROUP 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 FIDUCIARY SERVICES GROUP 401(K) PLAN