Investment options of Forum Credit Union 401 K Plan
Total Available Funds: 25
| Investment Description |
|---|
| PIMCO Income Fund 83,124 shares |
| Fidelity 500 Index Fund 12,525 shares |
| Vanguard Equity Income Fund 53,376 shares |
| Vanguard Small Cap Index Fund 4,932 shares |
| Vanguard Mid Cap Index Fund 2,364 shares |
| Vanguard Explorer Fund 12,934 shares |
| Fidelity Government Income Fund 17,544 shares |
| Fidelity Large Cap Growth Index Fund 236,839 shares |
| Vanguard Target Retirement 2020 Fund 58,229 shares |
| Vanguard Target Retirement 2025 Fund 177,746 shares |
| Vanguard Target Retirement 2030 Fund 168,031 shares |
| Vanguard Target Retirement 2035 Fund 141,142 shares |
| Vanguard Target Retirement 2040 Fund 89,135 shares |
| Vanguard Target Retirement 2045 Fund 135,252 shares |
| Vanguard Target Retirement 2050 Fund 53,933 shares |
| Vanguard Target Retirement 2055 Fund 50,396 shares |
| Vanguard Target Retirement 2060 Fund 27,812 shares |
| Vanguard Target Retirement 2065 Fund 16,405 shares |
| Vanguard Target Retirement 2070 Fund 783 shares |
| Vanguard Target Retirement Income Fund 108,740 shares |
| Mid Cap Value Fund 139,336 shares |
| Great Gray Fidelity AM Core Plus FI Fund 176,761 shares |
| American Century Small Cap Fund 38,714 shares |
| BlackRock Mid Cap Growth Equity Fund 121,602 shares |
| from 4.25% to 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for Forum Credit Union 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 Forum Credit Union 401 K Plan