Investment options of HINT, INC. 401(K) PLAN
Total Available Funds: 34
| Investment Option List |
|---|
| AM1 AM1 Domestic Equity Class 1 N/R |
| American Century Ret Hybrid 2050 Trst I N/R |
| American Century Ret Hybrid 2055 Trst I N/R |
| American Century Ret Hybrid 2060 Trst I N/R |
| American Century Ret Hybrid 2040 Trst I N/R |
| American Century Ret Hybrid 2045 Trst I N/R |
| AM1 AM1 International Equity Class 1 N/R |
| American Century Ret Hybrid 2035 Trst I N/R |
| AM1 AM1 Core Fixed Income N/R (GTCGX) |
| American Century Ret Hybrid 2025 Trst I N/R |
| American Century Ret Hybrid 2030 Trst I N/R |
| AM1 AM1 Portfolio Diversifiers Class 1 N/R |
| AM1 AM1 Income Class 1 N/R |
| BlackRock Russell 2000 Growth Index R N/R |
| American Century Ret Hybrid Inc Trst I N/R |
| BlackRock Russell 1000 Value Index R N/R |
| Fidelity Large Cap Growth Index N/R (FSLGX) |
| Fidelity 500 Index N/R (FUSEX) |
| Fidelity Mid Cap Growth Index N/R (FSMGX) |
| American Funds New World R6 N/R (HVWBX) |
| Fidelity International Index N/R (FDIVX) |
| Fidelity Small Cap Index N/R (FSISX) |
| Fidelity Mid Cap Value Index N/R (FSMVX) |
| Fidelity Small Cap Value Index N/R (FCPVX) |
| Fidelity Mid Cap Index N/R (FIIMX) |
| Janus Henderson Multi-Sector Income N N/R (JMTNX) |
| Fidelity US Bond Index N/R |
| Undiscovered Mgrs Behavioral Value R6 N/R (UBRLX) |
| MFS Mid Cap Growth R6 N/R (OTCIX) |
| American Century Mid Cap Value R6 N/R (IACIX) |
| Fidelity Inflation Protected Bond Index N/R (FINPX) |
| Janus Henderson Triton N N/R (JSMGX) |
| Empower Fixed Account – Series Class I N/R |
| maturing through December |
Investment model portfolios
We provide two types of investment model portfolios for HINT, 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 HINT, INC. 401(K) PLAN