Investment options of FISHER RANCH, LLC 401K PLAN
Total Available Funds: 33
| Investment Option List |
|---|
| VOYA AMERICAN FUNDS NEW PERSPECTIVE FUND – CLASS R-6 (FFPNX) |
| VOYA AMERICAN FUNDS WASH MUTUAL FUND – CLASS R-6 (FFFMX) |
| VOYA AMERICAN FUNDS THE GROWTH FUND OF AMERICA – CLASS R-6 (FAFGX) |
| VOYA AMERICAN FUNDS AMCAP FUND R6 (FMCMX) |
| VOYA CLEARBRIDGE AGGRESSIVE GROWTH FUND – CLASS IS (SAGYX) |
| VOYA DFA EMERGING MARKETS PORTFOLIO – INSTITUTIONAL CLASS (DFESX) |
| VOYA DFA REAL ESTATE SECURITIES PORTFOLIO – INSTITUTIONAL CLASS (DFREX) |
| VOYA EAGLE SMALL-CAP GROWTH FUND – CLASS R-6 (HSIIX) |
| VOYA EATON VANCE ATLANTA CAPITAL SMID-CAP FUND – CLASS R6 SHARES (EISMX) |
| VOYA DFA INFLATION-PROTECTED SECURITIES PORTFOLIO – INSTITUTIONAL CLASS (DIPSX) |
| VOYA DFA U. S. TARGETED VALUE PROFILE – INSTITUTIONAL CLASS SHARES (DWUSX) |
| VOYA LOOMIS SAYLES BOND FUND – CLASS F (LSBDX) |
| VOYA PIMCO FOREIGN BOND FUND (UNHEDGED) – INSTITUTIONAL CLASS (PFUPX) |
| VOYA VANGUARD BALANCED INDEX FUND – ADMIRAL ™ SHARES (VBIAX) |
| VOYA VANGUARD MID-CAP INDEX FUND – ADMIRAL ™ SHARES (VIMAX) |
| VOYA VANGUARD SMALL-CAP INDEX FUND – ADMIRAL ™ SHARES (VSMAX) |
| VOYA VANGUARD TARGET RETIREMENT 2015 FUND – INVESTOR SHARES (VTXVX) |
| VOYA VANGUARD TARGET RETIREMENT 2020 FUND – INVESTOR SHARES (VTWNX) |
| VOYA VANGUARD TARGET RETIREMENT 2025 FUND – INVESTOR SHARES (VTTVX) |
| VOYA VANGUARD TARGET RETIREMENT 2030 FUND – INVESTOR SHARES (VTHRX) |
| VOYA VANGUARD TARGET RETIREMENT 2035 FUND – INVESTOR SHARES (VTTHX) |
| VOYA VANGUARD TARGET RETIREMENT 2040 FUND – INVESTOR SHARES (VFORX) |
| VOYA VANGUARD TARGET RETIREMENT 2045 FUND – INVESTOR SHARES (VTIVX) |
| VOYA VANGUARD TARGET RETIREMENT 2050 FUND – INVESTOR SHARES (VFIFX) |
| VOYA VANGUARD TARGET RETIREMENT 2055 FUND – INVESTOR SHARES (VFFVX) |
| VOYA VANGUARD TARGET RETIREMENT 2060 FUND – INVESTOR SHARES (VTTSX) |
| VOYA VANGUARD TARGET RETIREMENT 2065 FUND – INVESTOR SHARES (VSXFX) |
| VOYA VANGUARD TOTAL BOND MARKET INDEX FUND – ADMIRAL ™ SHARES (VBTLX) |
| VOYA VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND – ADMIRAL ™ SHARE (VGTSX) |
| VOYA VANGUARD TARGET RETIREMENT INCOME FUND – INVESTOR SHARES (VTINX) |
| VOYA VANGUARD TOTAL STOCK MARKET INDEX FUND – ADMIRAL ™ SHARES (VTSAX) |
| VOYA MONEY MARKET FUND A (IMSXX) |
| VOYA VICTORY SYCAMORE ESTABLISHED VALUE FUND – CLASS R6 (GETGX) |
Investment model portfolios
We provide two types of investment model portfolios for FISHER RANCH, LLC 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 FISHER RANCH, LLC 401K PLAN