Investment options of HART SAVER – 401(K) PLAN
Total Available Funds: 27
| Investment Option List |
|---|
| American Funds Target Date Retirement 2015 R6 129 (REJTX) |
| American Funds Target Date Retirement 2020 R6 16,156 (RECTX) |
| American Funds Target Date Retirement 2025 R6 1,300 (REDTX) |
| American Funds Target Date Retirement 2030 R6 26,444 (REETX) |
| American Funds Target Date Retirement 2035 R6 12,707 (REFTX) |
| American Funds Target Date Retirement 2040 R6 (REGTX) |
| American Funds Target Date Retirement 2045 R6 (REHTX) |
| American Funds Target Date Retirement 2050 R6 64,127 (REITX) |
| American Funds Target Date Retirement 2055 R6 1,165 (FAJTX) |
| American Funds Target Date Retirement 2060 R6 18,177 (CCKTX) |
| American Funds Target Date Retirement 2065 R6 18 (FBMTX) |
| American Century Short Cap Growth R6 31,806 (ANOHX) |
| Fidelity International Capital Appreciation K6 Fund 57 (FIVFX) |
| Fidelity International Index 14,952 (FDIVX) |
| Fidelity Mid Cap Index Fund 9,136 (FIIMX) |
| Fidelity Small Cap Index Fund 10,855 (FSISX) |
| Fidelity 500 Index Fund 8,053 (FUSEX) |
| JP Morgan Core Bond R6 13,283 (JPBAX) |
| JP Morgan US Value R6 9,163 |
| PGIM High Yield Fund 59 (PHYEX) |
| Schwab Fundamental International Equity Index Fund 38 (SFILX) |
| AB US Large Cap G CIT W SRS P1 51,247 |
| Janus Henderson ENT Coll Fd CL III 51,017 |
| Principal MidCap Value I Separate Account 6,355 |
| Principal Small Cap Value II Separate Account 604 (VISVX) |
| Principal Guaranteed Interest |
| Principal Fixed Income Guarantee Contract |
Investment model portfolios
We provide two types of investment model portfolios for HART SAVER – 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 HART SAVER – 401(K) PLAN