Investment options of HILLYARD 401(K) PLAN
Total Available Funds: 37
| Investment Description |
|---|
| PIMCO INCOME INST |
| LOOMIS SAYLES SM CP GRTH IS |
| PIMCO TOTAL RETURN INST |
| NEUBERGER BERMAN GENESIS - TR CL |
| TOUCHSTONE LG CAP FOC Y |
| AMERICAN BEACON INTL EQUITY R5 |
| PIMCO REAL RETURN INST |
| CARILLON FAMILY OF FUNDS E MID CAP GR R6 |
| AMERICAN BEACON SM CP VAL R5 |
| MFS MID CAP VALUE R6 |
| BLACKROCK MA INCOME INST |
| AMERICAN FUNDS EUROPAC GROWTH R6 |
| JPMORGAN EQUITY INCOME R6 |
| LORD ABBETT SH DTN INC R6 |
| BNYM GLB FX INC Y |
| HARTFORD INTL OPPS Y |
| PRINCIPAL SMCP S& 600 INST |
| PRINCIPAL LGCP GRTH I R6 |
| FIDELITY EXTD MKT IDX |
| FIDELITY INTL INDEX |
| FIDELITY 500 INDEX |
| FIDELITY FREEDOM INC K |
| FIDELITY US BOND IDX |
| FIDELITY FREEDOM 2005 K |
| FIDELITY FREEDOM 2010 K |
| FIDELITY FREEDOM 2015 K |
| FIDELITY FREEDOM 2020 K |
| FIDELITY FREEDOM 2025 K |
| FIDELITY FREEDOM 2030 K |
| FIDELITY FREEDOM 2035 K |
| FIDELITY FREEDOM 2040 K |
| FIDELITY FREEDOM 2045 K |
| FIDELITY FREEDOM 2050 K |
| FIDELITY FREEDOM 2055 K |
| FIDELITY FREEDOM 2060 K |
| FIDELITY FREEDOM 2065 K |
| FIDELITY MANAGED INCOME PORTFOLIO |
Investment model portfolios
We provide two types of investment model portfolios for HILLYARD 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 HILLYARD 401(K) PLAN