Investment options of HR PARTNERS 401(K) PLAN
Total Available Funds: 20
| Investment Option List |
|---|
| Aegon AEGON Bond Ret Acct |
| Aegon Aegon US High Yield Ret |
| Dimensional Fund Advisors DFA Inflation-Protected |
| State Street Corporation State Street Emerging (SSEMX) |
| State Street Corporation State Street Internatnl Index |
| State Street Corporation State Street Russell Lg Cap (SIVIX) |
| State Street Corporation State Street Russell Sm Cap (SIVIX) |
| State Street Corporation State Street S&P Md Cap (SIVIX) |
| Transamerica TA Vanguard REIT Index (VGSIX) |
| Transamerica LifeGoal |
| Transamerica LifeGoal Ret |
| participants September 2029 |
| Transamerica Financial Life Ins Co AEGON Bd Ret Acct |
| Transamerica Financial Life Ins Co Aegon US High Yield Ret Acct |
| Transamerica Financial Life Ins Co DFA Infl-Prtctd Sec Pofolio |
| Transamerica Financial Life Ins Co State Street Emerg Mkt Idx Ret Acct |
| Transamerica Financial Life Ins Co State Street Intl Index Ret Acct |
| Transamerica Financial Life Ins Co TA Vanguard REIT Index Ret Acct |
| Transamerica Financial Life Ins Co Transamerica LG 2045 BlackRock |
| Transamerica Financial Life Ins Co Transamerica LG 2065 BlackRock |
Investment model portfolios
We provide two types of investment model portfolios for HR PARTNERS 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 HR PARTNERS 401(K) PLAN