Investment options of HRCA RETIREMENT PLAN
Total Available Funds: 28
| Investment Description |
|---|
| Fidelity FID 500 INDEX |
| Principal Lifetime PIF LIFETIME 2040 I |
| Principal Lifetime PIF LIFETIME 2025 I |
| Principal Lifetime PIF LIFETIME 2030 I |
| Principal Lifetime PIF LIFETIME 2020 I |
| Principal Lifetime PIF LIFETIME 2035 I |
| Principal Lifetime PIF LIFETIME 2050 I |
| Principal Lifetime PIF LIFETIME 2055 I |
| Lord Abbett LD ABBETT DEV GRTH I |
| Principal Lifetime PIF LIFETIME 2045 I |
| Fidelity FID SM CAP IDX |
| American Funds AF EUROPAC GROWTH R6 |
| T.Rowe Price TRP EQUITY INCOME |
| MFS MID CAP VALUE R6 |
| Fidelity FID MID CAP IDX |
| Principal Lifetime PIF REAL EST SEC IS |
| Principal Lifetime PIF CORE PL BOND IS |
| Columbia COL SM CAP VAL II I3 |
| Goldman Sachs GS INTL SM CP INS I |
| Principal Lifetime PIF LT STRAT INC I |
| Principal Lifetime PIF LIFETIME 2060 I |
| Fidelity FID INTL INDEX |
| JPMorgan JPM CORE BOND R6 |
| Fidelity FID US BOND IDX |
| Principal Lifetime PIF LIFETIME 2015 I |
| Principal Lifetime PIF LIFETIME 2065 I |
| BlackRock BLKRK MD CP GR EQ K |
| AB Large AB LG CAP GRTH Z |
Investment model portfolios
We provide two types of investment model portfolios for HRCA RETIREMENT 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 HRCA RETIREMENT PLAN