Investment options of HSC 401(K) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| Aegon US High Yield Ret opt 647 $ – |
| BlackRock Equity Dividend Ret Opt 700 – |
| Columbia Acorn International Ret Opt 39 – |
| DFA Inflation-Protected Securities Portfolio Ret Opt 1,818 – |
| Invesco Developing Markets Ret Opt 203 – |
| JPMorgan Long Duration Ret Opt 570 – |
| Loomis Sayles Investment Grade Bond Ret Opt 626 – |
| MFS International Intrinsic Value Ret Opt 1,857 – |
| MFS Massachusetts Investors Ret Opt 2,541 – |
| Macquarie Asset Strategy ret Opt 552 – |
| Morgan Stanley Growth Ret Opt 2,867 – |
| Prudential Jennison Mid Cap Growth Ret Opt 1,772 – |
| State Street International Index Ret Opt 765 – |
| State Street S&P Mid Cap Index Ret Opt 1,147 – |
| State Street U.S. Bond Index Ret Opt 887 – |
| Transamerica LifeGoal 2025 w/ BlackRock Ret Opt 84,805 – |
| Transamerica LifeGoal 2030 w/ BlackRock Ret Opt 50,099 – |
| Transamerica LifeGoal 2035 w/ BlackRock Ret Opt 31,890 – |
| Transamerica LifeGoal 2040 w/ BlackRock Ret Opt 14,026 – |
| Transamerica LifeGoal 2045 w/ BlackRock Ret Opt 12,442 – |
| Transamerica LifeGoal 2050 w/ BlackRock Ret Opt 11,899 – |
| Transamerica LifeGoal 2055 w/ BlackRock Ret Opt 1,727 – |
| Transamerica LifeGoal 2060 w/ BlackRock Ret Opt 1,447 – |
| Transamerica LifeGoal 2065 w/ BlackRock Ret Opt 80 – |
| Transamerica LifeGoal Ret w/ BlackRock Ret Opt 93,565 – |
| Transamerica Partners Stock Index Ret Opt 1,418 – |
| Transamerica Small Cap Growth Ret Opt 55 – |
| Transamerica Small/Mid Cap Value Ret Opt 258 – |
| Vanguard Small-Cap Index Ret Opt 305 – |
| Virtus Ceredex Mid-Cap Val Eqty 605 – |
Investment model portfolios
We provide two types of investment model portfolios for HSC 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 HSC 401(K) PLAN