Investment options of HAPCAP 401(K) PROFIT SHARING PLAN
Total Available Funds: 50
| Investment Description |
|---|
| Voya American Balanced Fund R6 |
| Voya New World Fund R6 |
| Voya New Perspective R6 |
| Voya Inflation-Protected Securities Portfolio Institutional Class |
| Voya U.S. Targeted Value Portfolio Institutional Class |
| Voya Global Bond Fund X |
| Voya International |
| Voya Mid Cap |
| Voya Small Cap |
| Voya U.S. GARP Equity Fund R6 |
| Voya Index Aggressive 2045 Fund |
| Voya Index Aggressive 2055 Fund |
| Voya Index Modified 2035 Fund |
| Voya Index Modified 2045 Fund |
| Voya Index Modified 2055 Fund |
| Voya Index Modified 2065 Fund |
| Voya Index Moderate Retirement Fund |
| Voya Mid Cap Growth R6 |
| Voya Large Cap Responsible Equity Fund |
| Voya High Yield Fund R6 |
| Voya Equity Income Fund Admiral |
| Voya Explorer Fund Admiral |
| Voya LifeStrategy Growth Fund |
| Voya LifeStrategy Income Fund |
| Voya LifeStrategy Moderate Growth Fund |
| Voya Selected Value Fund |
| Voya Intermediate Bond Fund R6 |
| Voya Fixed Account |
| American Funds Am Balanced R6 Registered Investment Company |
| American Funds New World R6 Registered Investment Company |
| American Funds Nw Prspctv R6 Registered Investment Company |
| DFA Infl-Prot Sec Port Ins Registered Investment Company |
| DFA US Targeted Vl Port Ins Registered Investment Company |
| Dodge & Cox Global Bond Fund X Registered Investment Company |
| Fidelity 500 Index Fund Registered Investment Company |
| Fidelity Intl Index Fnd Registered Investment Company |
| Fidelity Mid Cap Idx Fd Registered Investment Company |
| Fidelity Sm Cp Ind Fd Registered Investment Company |
| JPMorgan US GARP Equity F R6 Registered Investment Company |
| Neuberg Berm MdCp Grw Fnd R6 Registered Investment Company |
| Nuveen Large Cap Res Eq R6 Registered Investment Company |
| PGIM High Yield Fund R6 Registered Investment Company |
| Vangrd Equity Income Fund Adm Registered Investment Company |
| Vangrd Explorer Fund Adm Registered Investment Company |
| Vangrd LifeStrat Grw Fd Inv Registered Investment Company |
| Vangrd LifeStrat Inc Fd Inv Registered Investment Company |
| Vangrd LifeStrat Md Grw Fd Inv Registered Investment Company |
| Vangrd Selected Value Fund Inv Registered Investment Company |
| Voya Gv Mny Mkt F A (Hld Acct) Registered Investment Company |
| Voya Intermediate Bond Fund R6 Registered Investment Company |
Investment model portfolios
We provide two types of investment model portfolios for HAPCAP 401(K) PROFIT SHARING 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 HAPCAP 401(K) PROFIT SHARING PLAN