Investment options of HARMON LAW OFFICES P.C. 401K PLAN
Total Available Funds: 29
| Investment Description |
|---|
| T.Rowe Price Retirement 2035 Fund I Pooled separate account n/a n/a n/a n/a |
| T.Rowe Price Retirement 2040 Fund I Pooled separate account n/a n/a n/a n/a |
| T.Rowe Price Retirement 2045 Fund I Pooled separate account n/a n/a n/a n/a |
| T.Rowe Price Retirement 2050 Fund I Pooled separate account n/a n/a n/a n/a |
| Voya Large Cap Growth Private Services Fund Pooled separate account n/a n/a n/a n/a |
| JPMorgan Large Cap Growth Fund Class R6 Pooled separate account n/a n/a n/a n/a |
| T.Rowe Price Retirement 2025 Fund I Pooled separate account n/a n/a n/a n/a |
| Fidelity 500 Index Fund Pooled separate account n/a n/a n/a n/a |
| Voya Intermediate Bond Fund R6 Pooled separate account n/a n/a n/a n/a |
| American Funds EuroPacific Growth Fund Class R6 Pooled separate account n/a n/a n/a n/a |
| PGIM High Yield Fund R6 Pooled separate account n/a n/a n/a n/a |
| Franklin Small Cap Growth Fund R6 Pooled separate account n/a n/a n/a n/a |
| Voya T.Rowe Price Capital Appreciation Portfolio Fund Pooled separate account n/a n/a n/a n/a |
| Fidelity Small Cap Index Fund Pooled separate account n/a n/a n/a n/a |
| American Funds New World R6 Pooled separate account n/a n/a n/a n/a |
| T.Rowe Price Retirement 2055 Fund I Pooled separate account n/a n/a n/a n/a |
| Fidelity Mid Cap Index Fund Pooled separate account n/a n/a n/a n/a |
| Columbia Select Mid Cap Value Fund Class I3 Pooled separate account n/a n/a n/a n/a |
| Voya Mid Cap Opportunities Portfolio R6 Pooled separate account n/a n/a n/a n/a |
| DFA US Targeted Vl Portfolio Institutional Class Pooled separate account n/a n/a n/a n/a |
| T.Rowe Price Retirement 2010 Fund I Pooled separate account n/a n/a n/a n/a |
| American Funds Capital World Bond Fund Class Pooled separate account n/a n/a n/a n/a |
| T.Rowe Price Retirement 2030 Fund I Pooled separate account n/a n/a n/a n/a |
| T.Rowe Price Retirement 2020 Fund I Pooled separate account n/a n/a n/a n/a |
| Vanguard LifeStrategy Moderate Growth Inv Pooled separate account n/a n/a n/a n/a |
| T.Rowe Price Retirement 2060 Fund I Pooled separate account n/a n/a n/a n/a |
| DFA Commodity Strategy Portfolio Institutional Class Pooled separate account n/a n/a n/a n/a |
| Pioneer Strategic Income Fund Class K Pooled separate account n/a n/a n/a n/a |
| T.Rowe Price Retirement 2065 Fund I Pooled separate account n/a n/a n/a n/a |
Investment model portfolios
We provide two types of investment model portfolios for HARMON LAW OFFICES P.C. 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 HARMON LAW OFFICES P.C. 401K PLAN