Investment options of HVCU 401(K) PLAN
Total Available Funds: 17
| Investment Description |
|---|
| Principal Trust Company Principal Fixed Income Guaranteed Option |
| PIMCO Income Institutional Fund |
| Janus Henderson Balanced T Fund |
| American Century Investment Equity Income Investment I Fund |
| American Century Investment Mid-Cap Value R6 |
| Capital Research and Mgmt Co American Funds Washington Mutual Investor R6 Fund |
| Capital Research and Mgmt Co American Funds New Perspective Fund Class R6 |
| Legg Mason ClearBridge Large Cap Gr A Fund |
| Emerald Emerald Growth Fund |
| Fidelity US Bond |
| Fidelity |
| Fidelity Global ex US |
| T.Rowe Price Mid-Cap Growth Fund |
| Vaughan Nelson/LA Capital/ H&W Small Cap Value II Inst Fund |
| Principal Mid-Cap S&P 400 Index Investment Fund R6 |
| Principal Small Cap S&P 600 Index Investment Fund R6 |
| Rates from 5.25% to 10.50% with Various Maturity – |
Investment model portfolios
We provide two types of investment model portfolios for HVCU 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 HVCU 401(K) PLAN