Investment options of HISADA AMERICA, INC. 401(K) RETIREMENT SAVINGS PLAN
Total Available Funds: 24
| Investment Description |
|---|
| METLIFE RELIANCE SERIES 25053 STABLE VALUE FUND |
| VANGUARD VALUE INDEX FUND |
| SCHWAB TARGET 2050 INDEX INST |
| COL CAP ALLOC CONSERVATIVE I2 |
| LORD ABBETT TOTAL RETURN R6 |
| SCHWAB TARGET 2035 INDEX INST |
| SCHWAB TARGET 2040 INDEX INST |
| SCHWAB TARGET 2055 INDEX INST |
| SCHWAB TARGET 2025 INDEX INST |
| FID 500 IND |
| AMERICAN FUNDS US GOV SEC R6 |
| SCHWAB TARGET 2045 INDEX INST |
| SCHWAB TARGET 2020 INDEX INST |
| SCHWAB TARGET 2030 INDEX INST |
| COL CAP ALLOC MODERATE I2 |
| SCHWAB TREAS INFL PROT SEC ID |
| LORD ABBETT ULTRA SHORT BD R6 |
| COL CAPP ALLOC AGGRESSIVE I2 |
| VANGUARD MID CAP VALUE IND AD |
| FID SMALL CAP INDEX |
| VAN INTERNATIONAL GROWTH IN |
| FID MID CAP INDEX |
| T ROWE GLOBAL MULTISECTOR BN |
| COL SM CAP GWTH I I3 |
Investment model portfolios
We provide two types of investment model portfolios for HISADA AMERICA, INC. 401(K) RETIREMENT 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 HISADA AMERICA, INC. 401(K) RETIREMENT SAVINGS PLAN