Investment options of HENRY VISCARDI SCHOOL DEFINED CONTRIBUTION PLAN
Total Available Funds: 34
| Investment Description |
|---|
| Mutual of America Interest Accumulation Account |
| CREF Stock R2 |
| CREF Growth R2 |
| CREF Equity Index R2 |
| CREF Global Equities R2 |
| CREF Social Choice R2 |
| MFS International Diversification R4 |
| Nuveen Small Cap Bld Idx Rtmt |
| CREF Core Bond R2 |
| Nuveen S&P 500 Index Retire |
| BlackRock Inflation Prot Bond Inst |
| Columbia Mid Cap Index Fund A |
| CREF Inflation-Linked Bond R2 |
| Vanguard Federal Money Mkt Inv |
| American Washington Mut Inv R3 |
| MFS Growth Fund Class R3 |
| PGIM Short-Term Corp Bd A |
| John Hancock Disc Val Md Cp R2 |
| Cohen & Steers Global Realty A |
| GQG Prtnr Emerg Mrkt Eqt Invst |
| Eagle Mid Cap Growth A |
| BlackRock Strat Inc Opp Inv A |
| Fidelity VIP Contrafund Pt I |
| Voya Russell LgCp Indx Prt I |
| VY TRwPr Divr MdCp Gr Pt I |
| Fidelity VIP Contrafund Portfolio |
| Allspg Spec SmCp Vl Fd A |
| MoA Mid Cap Equity Index Fund |
| VY CBRE Rl Estate Prt Srv |
| Inv Dev Mrkts Fd A |
| Mutual of America Small Cap Growth Fund |
| Mutual of America Small Cap Value Fund |
| Voya Fixed Account |
| with maturity through 2029 |
Investment model portfolios
We provide two types of investment model portfolios for HENRY VISCARDI SCHOOL DEFINED CONTRIBUTION 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 HENRY VISCARDI SCHOOL DEFINED CONTRIBUTION PLAN