Investment options of HANNOVER LIFE REASSURANCE COMPANY OF AMERICA RETIREMENT PLAN
Total Available Funds: 31
| Investment Description |
|---|
| FIDELITY SMALL CAP INDEX |
| FIDELITY MID CAP INDEX |
| BLACKROCK MID CAP GROWTH EQUITY K |
| WELLS FARGO SPECIAL MID CAP VALUE I |
| FIDELITY U. S. SUSTAINABILTY INDEX |
| T. ROWE PRICE INSTL LARGE CAP GROWTH |
| VANGUARD INSTITUTIONAL INDEX |
| TD AMERITRADE SDB ROTH |
| TD AMERITRADE SDB |
| NYL GUARANTEED INTEREST ACCOUNT |
| PRUL02 |
| JMTRX |
| LHYVX |
| VBTLX |
| 1PTRXMT |
| 1PTRX30 |
| 1PTRX40 |
| 1PTRX50 |
| 1PTRX60 |
| 1AEDMX |
| 1FSPSX |
| 1MIEIX |
| 1FSRNX |
| 1FSSNX |
| 1FSMDX |
| 1WFMIX |
| 1BMGKX |
| 1FITLX |
| 1TRLGX |
| 1INSIDX |
| 1VVIAX |
Investment model portfolios
We provide two types of investment model portfolios for HANNOVER LIFE REASSURANCE COMPANY OF AMERICA RETIREMENT 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 HANNOVER LIFE REASSURANCE COMPANY OF AMERICA RETIREMENT PLAN