Investment options of HUMAN RESOURCES, INC. RETIREMENT SAVINGS PLAN
Total Available Funds: 46
| Investment Description |
|---|
| VANGUARD VITSX |
| VANGUARD VTTHX |
| VANGUARD VBILX |
| VANGUARD VTTVX |
| VANGUARD VTIVX |
| VANGUARD VTHRX |
| VANGUARD VMFXX |
| VANGUARD VFORX |
| VANGUARD VTSAX |
| VANGUARD VFIFX |
| VANGUARD VFFVX |
| VANGUARD VTWNX |
| BLACKROCK BTMKX |
| GABELLI FUNDS/SSGA SVSPX |
| VANGUARD VCSAX |
| T. ROWE PRICE PRDGX |
| VANGUARD VTTSX |
| T. ROWE PRICE PRWAX |
| FIDELITY FATIX |
| VANGUARD VLXVX |
| VANGUARD VIMAX |
| VANGUARD VFTAX |
| VANGUARD VTIAX |
| PIMCO PIMIX |
| VANGUARD VSMAX |
| JPMORGAN OIEJX |
| AMERICAN FUNDS RERGX |
| VANGUARD VMIAX |
| VANGUARD VSIAX |
| VANGUARD VAIPX |
| FIDELITY FXNAX |
| VANGUARD VGSLX |
| HENDERSON JMGRX |
| VANGUARD VBIRX |
| VANGUARD VSGAX |
| FIDELITY FIUIX |
| PUTNAM PHAYX |
| AMERICAN CENTURY ACMVX |
| OPPENHEIMER FUNDS ODVYX |
| VANGUARD VTINX |
| VANGUARD VSGDX |
| FIDELITY FISDB |
| BLACKROCK BKTSX |
| VANGUARD VTAPX |
| VANGUARD VMRXX |
| VANGUARD VMMXX |
Investment model portfolios
We provide two types of investment model portfolios for HUMAN RESOURCES, INC. RETIREMENT 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 HUMAN RESOURCES, INC. RETIREMENT SAVINGS PLAN