Investment options of HARBOUR RIDGE 401(K) PLAN
Total Available Funds: 27
| Investment Option List |
|---|
| Fidelity Freedom Index 2030 Fund Institutional Premium Class (FFEGX) |
| Fidelity Freedom Index 2040 Fund Institutional Premium Class (FFIZX) |
| Fidelity Freedom Index 2025 Fund Institutional Premium Class (FFEDX) |
| Fidelity Freedom Index 2035 Fund Institutional Premium Class (FFEZX) |
| Vanguard Equity Income Admiral Fund (VEIPX) |
| Janus Janus Enterprise N Fund (JMGRX) |
| JP Morgan JPMorgan Large Cap Growth Fund Class (SEEGX) |
| Fidelity Freedom Index 2015 Fund Institutional Premium Class (FIWFX) |
| Fidelity Freedom Index 2045 Fund Institutional Premium Class (FFOLX) |
| Fidelity Freedom Index 2050 Fund Institutional Premium Class (FFOPX) |
| Fidelity International Index Fund (FDIVX) |
| Baird Baird Core Plus Bond Fund Class Institutional Fund (BCOIX) |
| Fidelity U.S. Bond Index Fund (FSHBX) |
| Fidelity Mid Cap Index Fund (FIIMX) |
| Fidelity Freedom Index 2055 Fund Institutional Premium Class (FFLDX) |
| Fidelity International Index Fund Institutional Premium Class (FSPSX) |
| Fidelity Freedom Index 2020 Fund Institutional Premium Class (FIWTX) |
| Fidelity Small Cap Index Fund (FSISX) |
| Fidelity Freedom Index 2060 Fund Institutional Premium Class (FFLEX) |
| Vanguard Small-Cap Value Index Fund Admiral Shares (VSIAX) |
| Vanguard REIT Index Admiral Fund (VGSIX) |
| Vanguard Emerging Market Stock Index Admiral Fund (VEIEX) |
| DFA Inflation-Protected Securities Portfolio Fund (DIPSX) |
| Vanguard Small Cap Growth Index Admiral Fund (VISGX) |
| Wilmington Trust Mid Cap Value Fund R1 (SMCDX) |
| Federator Investors Federated Capital Preservation Fund |
| Wilmington Trust International Equity Fund Fee Class R1 |
Investment model portfolios
We provide two types of investment model portfolios for HARBOUR RIDGE 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 HARBOUR RIDGE 401(K) PLAN