Investment options of HUB INTERNATIONAL LIMITED 401K SAVINGS PLAN
Total Available Funds: 19
| Investment Description |
|---|
| BLACKROCK HIGH YIELD BOND PORTFOLIO INSTITUTIONAL |
| BLACKROCK MID CAP GROWTH EQUITY |
| INVESCO DEVELOPING MARKETS R6 |
| LORD ABBETT BOND DEBENTURE FUND CLASS R6 |
| COHEN & STEERS GLOBAL REALTY CIT CL |
| PIMCO COMMODITY REAL RETURN STRATEGY INSTL |
| COLUMBIA OVERSEAS VALUE INST 3 |
| T. ROWE PRICE ALL-CAP OPPORTUNITIES FUND CLASS I |
| T. ROWE PRICE INTERNATIONAL DISCOVERY FUND CLASS I |
| MFS INTERNATIONAL GROWTH EQ CIT CL 2 |
| STATE STREET GLOBAL ALL CAP EQUITY EX-U.S. INDEX - CLASS K |
| STATE STREET RUSSELL SMALL CAP INDEX FUND - CLASS II |
| STATE STREET S&P MIDCAP INDEX FUND - CLASS XIV |
| STATE STREET S&P 500 INDEX FUND - CLASS N |
| STATE STREET US BOND INDEX FUND - CLASS XIV |
| VANGUARD EQUITY INCOME - ADMIRAL SHARES |
| VIRTUS CEREDEX MID-CAP VALUE EQUITY FUND CLASS R6 |
| VANGUARD FEDERAL MONEY MARKET FUND |
| VANGUARD RETIREMENT SAVINGS TRUST III |
Investment model portfolios
We provide two types of investment model portfolios for HUB INTERNATIONAL LIMITED 401K 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 HUB INTERNATIONAL LIMITED 401K SAVINGS PLAN