Investment options of HSP DIRECT 401(K) PLAN
Total Available Funds: 39
| Investment Description |
|---|
| American Funds Intl Growth And Income Fund Class R-6 |
| American Funds Investment Co Of America Class R-6 |
| American Funds New World Fund Class R-6 |
| American Funds The Growth Fund Of America Class R-6 |
| Baird Asset Management Aggregate Bond Institutional Class |
| Baird Asset Management Core Plus Bond Institutional Class |
| Dimensional Fund Advisors US Large Cap Value Portfolio Institutional Class |
| DWS Group Enhanced Commodity Strategy Fund Class R-6 |
| Vanguard Developed Markets Index Admiral |
| Vanguard LifeStrategy Growth Fund Investor Shares |
| Vanguard LifeStrategy Mod Growth Fund Investor Shares |
| Vanguard LifeStrategy Income |
| Vanguard Small Cap Growth Index Admiral |
| Vanguard 500 Index Fund Admiral Class |
| Vanguard High-Yield Corporate Fund Admiral |
| Vanguard Inflation-Protected Securities Fund Admiral |
| Vanguard Intl Growth Fund Admiral |
| Vanguard Intl Value Fund Investor |
| Vanguard LifeStrategy Conservative Growth Fund Investor |
| Vanguard Mid-Cap Growth Index Fund Admiral |
| Vanguard Mid-Cap Value Index Fund Admiral |
| Vanguard Small Cap Value Index Admiral |
| Vanguard Ultra Short Term Bond Admiral |
| Lincoln Financial Group YourPath Hybrid 2020 Moderate |
| Lincoln Financial Group YourPath Hybrid 2025 Moderate |
| Lincoln Financial Group YourPath Hybrid 2030 Moderate |
| Lincoln Financial Group YourPath Hybrid 2035 Moderate |
| Lincoln Financial Group YourPath Hybrid 2040 Moderate |
| Lincoln Financial Group YourPath Hybrid 2045 Moderate |
| Lincoln Financial Group YourPath Hybrid 2045 Aggressive |
| Lincoln Financial Group YourPath Hybrid 2050 Aggressive |
| Lincoln Financial Group YourPath Hybrid 2050 Moderate |
| Lincoln Financial Group YourPath Hybrid 2055 Aggressive |
| Lincoln Financial Group YourPath Hybrid 2055 Moderate |
| Lincoln Financial Group YourPath Hybrid 2060 Aggressive |
| Lincoln Financial Group YourPath Hybrid 2060 Moderate |
| Lincoln Financial Group YourPath Hybrid 2065 Moderate |
| Lincoln Financial Group YourPath Hybrid 2065 Aggressive |
| Ranging From 3.25% – 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for HSP DIRECT 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 HSP DIRECT 401(K) PLAN