Investment options of HMH 401(K) SAVINGS PLAN
Total Available Funds: 21
| Investment Description |
|---|
| Vanguard Extended Market Index Fund 777,533 units |
| Vanguard Institutional Index Fund 410,775 units |
| Vanguard Target Retirement 2020 Fund 2,726,744 units |
| Vanguard Target Retirement 2025 Fund 8,153,783 units |
| Vanguard Target Retirement 2030 Fund 4,980,228 units |
| Vanguard Target Retirement 2035 Fund 7,254,680 units |
| Vanguard Target Retirement 2040 Fund 3,380,308 units |
| Vanguard Target Retirement 2045 Fund 4,677,010 units |
| Vanguard Target Retirement 2050 Fund 3,137,111 units |
| Vanguard Target Retirement 2055 Fund 2,685,049 units |
| Vanguard Target Retirement 2060 Fund 2,148,554 units |
| Vanguard Target Retirement 2065 Fund 1,064,038 units |
| Vanguard Target Retirement 2070 Fund 94,030 units |
| Vanguard Target Retirement Income Fund 766,313 units |
| Columbia Contrarian Core Fund 1,260,738 units |
| The Hartford International Opportunities Fund 838,926 units |
| Principal Diversified Real Asset Fund 144,220 units |
| Federated Institutional High Yield Bond Fund 2,266,253 units |
| Vanguard FTSE Social Index Fund 1,025,331 units |
| AMG GW&K Small/Mid Cap Fund 960,641 units |
| Ninety One Emerging Markets Equity Fund 1,421,702 units |
Investment model portfolios
We provide two types of investment model portfolios for HMH 401(K) 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 HMH 401(K) SAVINGS PLAN