Investment options of HEAPY ENGINEERING, INC. SAVINGS PLAN
Total Available Funds: 26
| Investment Description |
|---|
| Allspring Global Investments Allspring Special Mid Cap Value R6 |
| American Century Investments American Century Small Cap Value R6 5 |
| Capital Group American Funds 2020 Target Date Retirement R6 |
| Capital Group American Funds 2025 Target Date Retirement R6 |
| Capital Group American Funds 2030 Target Date Retirement R6 |
| Capital Group American Funds 2035 Target Date Retirement R6 |
| Capital Group American Funds 2040 Target Date Retirement R6 |
| Capital Group American Funds 2045 Target Date Retirement R6 |
| Capital Group American Funds 2050 Target Date Retirement R6 |
| Capital Group American Funds 2055 Target Date Retirement R6 |
| Capital Group American Funds 2060 Target Date Retirement R6 |
| Capital Group American Funds 2065 Target Date Retirement R6 |
| Capital Group American Funds New World R6 |
| Dodge & Cox Dodger & Cox Stock X |
| Invesco Discovery R6 5 ,836 |
| Janus Henderson Balanced N |
| New York Life Investment Management Mainstay MacKay High Yield Corp Bond I 1 |
| PIMCO Income Institutional 1 |
| PIMCO StocksPLUS International I 2 |
| T.Rowe Price T.Rowe Price International Discovery I 1 |
| Vanguard Growth Index Admiral 3 |
| Vanguard Mid Cap Index Admiral 1 ,879 |
| Vanguard Mid Cap Growth Index Admiral 9 ,357 |
| Vanguard Small Cap Index Admiral 3 ,576 |
| Vanguard Small Cap Value Index Admiral 3 ,148 |
| Notes receivable from participants May 2031 |
Investment model portfolios
We provide two types of investment model portfolios for HEAPY ENGINEERING, INC. SAVINGS 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 HEAPY ENGINEERING, INC. SAVINGS PLAN