Investment options of HERITAGE POINTE COMMUNITIES 403(B) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| Federated Hermes Government Obligations Fund Premier 2,617 Shares |
| Fidelity 500 Index Fund 29,483 Shares |
| Fidelity Small Cap Index Fund 3,315 Shares |
| Fidelity Advisor International Growth Fund Class I 3,151 Shares |
| Franklin Utilities Fund Advisor Class 1,535 Shares |
| JPMorgan Large Cap Growth Fund Class R6 4,221 Shares |
| JPMorgan Small Cap Equity Fund Class R5 1,092 Shares |
| MFS Mid Cap Growth Fund Class R6 13,348 Shares |
| Vanguard Growth Index Fund Admiral Shares 16,980 Shares |
| Vanguard Information Techonology Index Fund Admiral Shares 19,467 Shares |
| Vanguard Mid-Cap Value Index Fund Admiral Shares 1,373 Shares |
| Vanguard Mid-Cap Index Fund Admiral Shares 1,078 Shares |
| Vanguard Short-Term Bond Index Fund Admiral Shares 26,344 Shares |
| Vanguard Small-Cap Index Fund Admiral Shares 12,967 Shares |
| Vanguard Small-Cap Value Index Fund Admiral Shares 4,398 Shares |
| Vanguard Target Retirement 2020 Fund 196,929 Shares |
| Vanguard Target Retirement 2025 Fund 157,187 Shares |
| Vanguard Target Retirement 2030 Fund 392,091 Shares |
| Vanguard Target Retirement 2035 Fund 422,072 Shares |
| Vanguard Target Retirement 2040 Fund 227,756 Shares |
| Vanguard Target Retirement 2045 Fund 196,048 Shares |
| Vanguard Target Retirement 2050 Fund 244,362 Shares |
| Vanguard Target Retirement 2055 Fund 78,719 Shares |
| Vanguard Target Retirement 2060 Fund 52,478 Shares |
| Vanguard Target Retirement 2065 Fund 41,757 Shares |
| Vanguard Target Retirement Income Fund 135,783 Shares |
| Vanguard Value Index Fund Admiral Shares 3,839 Shares |
| Vanguard Windsor II Fund Admiral Shares 18,068 Shares |
| Victory Nasdaq 100 Index Fund R6 Shares 3,349 Shares |
| Fidelity Blue Chip Growth K6 Fund 2,988 Shares |
Investment model portfolios
We provide two types of investment model portfolios for HERITAGE POINTE COMMUNITIES 403(B) 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 HERITAGE POINTE COMMUNITIES 403(B) PLAN