Investment options of HYDRO-GEAR RETIREMENT PLAN
Total Available Funds: 32
| Investment Description |
|---|
| GALLIARD STABLE RETURN FUND C 14,216 units |
| AMERICAN FUNDS 2010 TRGT DATE RETIRE R6 3,105 shares |
| AMERICAN FUNDS 2015 TRGT DATE RETIRE R6 68,999 shares |
| AMERICAN FUNDS 2020 TRGT DATE RETIRE R6 39,943 shares |
| AMERICAN FUNDS 2025 TRGT DATE RETIRE R6 321,243 shares |
| AMERICAN FUNDS 2030 TRGT DATE RETIRE R6 288,113 shares |
| AMERICAN FUNDS 2035 TRGT DATE RETIRE R6 207,240 shares |
| AMERICAN FUNDS 2040 TRGT DATE RETIRE R6 73,729 shares |
| AMERICAN FUNDS 2045 TRGT DATE RETIRE R6 75,759 shares |
| AMERICAN FUNDS 2050 TRGT DATE RETIRE R6 57,578 shares |
| AMERICAN FUNDS 2055 TRGT DATE RETIRE R6 74,285 shares |
| AMERICAN FUNDS 2060 TRGT DATE RETIRE R6 99,700 shares |
| AMERICAN FUNDS 2065 TRGT DATE RETIRE R6 41,974 shares |
| AMERICAN FUNDS 2070 TRGT DATE RETIRE R6 9,389 shares |
| AMERICAN FUNDS NEW WORLD R6 14,062 shares |
| ISHARES MSCI EAFE INTERNATIONAL INDEX K 17,906 shares |
| MFS INTL DIVERSIFICATION R6 210,548 shares |
| PIMCO COMMODITIESPLUS STRATEGY INSTL 14,327 shares |
| ISHARES RUSSELL 2000 SMALL-CAP INDEX K 117,137 shares |
| ISHARES RUSSELL MID-CAP INDEX K 291,571 shares |
| JPMORGAN MID CAP GROWTH R6 24,612 shares |
| MFS MID CAP VALUE R6 45,510 shares |
| ISHARES S&P 500 INDEX K 14,167 shares |
| JPMORGAN LARGE CAP GROWTH R6 50,167 shares |
| MFS VALUE R6 65,570 shares |
| T. ROWE PRICE ALL-CAP OPPORTUNITIES I 7,361 shares |
| AMERICAN FUNDS STRATEGIC BOND R6 195,762 shares |
| ISHARES U.S. AGGREGATE BOND INDEX K 10,115 shares |
| DODGE & COX INCOME – I 161,348 shares |
| EATON VANCE INCOME FUND OF BOSTON R6 108,005 shares |
| PIMCO INCOME INSTL 271,596 shares |
| EMPOWER GUARANTEED INCOME FUND 47,267 shares |
Investment model portfolios
We provide two types of investment model portfolios for HYDRO-GEAR 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 HYDRO-GEAR RETIREMENT PLAN