Investment options of HAVIS, INC. 401(K) PLAN
Total Available Funds: 25
| Investment Option List |
|---|
| Allspring Special Mid Cap Value Fund (SMCDX) |
| American Funds American Balanced Fund Class R6 (GBLAX) |
| American Funds Europacific Growth Fund Class R6 (FEPUX) |
| American Funds Washington Mutual Investors Fund Class R6 (FWMMX) |
| Fidelity Contrafund Fund (FCNTX) |
| Janus Henderson Enterprise Fund Class N (JMGRX) |
| John Hancock Alternative Asset Allc R6 |
| MFS Growth Fund Class R6 (MQGIX) |
| PIMCO Income Fund Institutional Class (PFIIX) |
| T. Rowe Price New Horizons Fund I (PRNHX) |
| Vanguard 500 Index Fund Admiral (VFINX) |
| Vanguard Mid Cap Index Fund Admiral (VIMSX) |
| Vanguard Target Date 2020 Fund (VTWNX) |
| Vanguard Target Date 2025 Fund (VTTVX) |
| Vanguard Target Date 2030 Fund (VTHRX) |
| Vanguard Target Date 2035 Fund (VTTHX) |
| Vanguard Target Date 2040 Fund (VFORX) |
| Vanguard Target Date 2045 Fund (VTIVX) |
| Vanguard Target Date 2050 Fund (VFIFX) |
| Vanguard Target Date 2055 Fund (FAJTX) |
| Vanguard Target Date 2060 Fund (VTTSX) |
| Vanguard Target Date 2065 Fund (FBMTX) |
| Vanguard Target Retirement 2070 Fund (VSVNX) |
| Vanguard Target Retirement Income (VTINX) |
| Vanguard Small Cap Index Admiral (VISVX) |
Investment model portfolios
We provide two types of investment model portfolios for HAVIS, INC. 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 HAVIS, INC. 401(K) PLAN