Investment options of HUMAN RIGHTS FIRST RETIREMENT PLAN
Total Available Funds: 26
| Investment Option List |
|---|
| American Funds 2025 Target Date Retirement R6 Fund " (REDTX) |
| American Funds 2030 Target Date Retirement R6 Fund " (REETX) |
| American Funds 2035 Target Date Retirement R6 Fund " (REFTX) |
| American Funds 2040 Target Date Retirement R6 Fund " (REGTX) |
| American Funds 2045 Target Date Retirement R6 Fund " (REHTX) |
| American Funds 2050 Target Date Retirement R6 Fund " (REITX) |
| American Funds 2055 Target Date Retirement R6 Fund " (FAJTX) |
| American Funds 2060 Target Date Retirement R6 Fund " (CCKTX) |
| American Funds American Balanced R6 Fund " (GBLAX) |
| American Funds New World R6 Fund " (HVWBX) |
| American Funds Washington Mutual Investors R6 Fund " (FWMMX) |
| Columbia Global Technology Growth Inst2 Fund " (CMTFX) |
| DFA International Sustainability Core 1 Portfolio Fund " (DFSIX) |
| Nuveen Core Plus Bond Institutional Fund " (FFIIX) |
| Nuveen High Yield Fund R6 " (NHYRX) |
| Nuveen Lifestyle Aggressive Growth Fund R6 " (FSAYX) |
| Nuveen Lifestyle Conservation Fund R6 " |
| Nuveen Lifestyle Growth Fund R6 " (VCGLX) |
| Nuveen Lifestyle Moderate Fund R6 " (ILOSX) |
| PIMCO Income Institutional Fund " (PFIIX) |
| Shelton Capital Management Nasdaq-100 Index Fund " (NQQQX) |
| Vanguard 500 Index Admiral Fund " (VFINX) |
| Vanguard FTSE Social Index Admiral Fund " (VFTNX) |
| Vanguard Mid-Cap Value Index Admiral Fund " (VMVIX) |
| Vanguard Mid Cap Index Admiral Fund " (VIMSX) |
| Vanguard Small Cap Value Index Admiral Fund " (VISVX) |
Investment model portfolios
We provide two types of investment model portfolios for HUMAN RIGHTS FIRST 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 HUMAN RIGHTS FIRST RETIREMENT PLAN