Investment options of HYDY 401(K) PLAN
Total Available Funds: 26
| Investment Description |
|---|
| Vanguard Group Bond Index Admiral Class |
| Vanguard Group Index Admiral |
| Vanguard Group Short-Term Corp BD Index Admiral |
| Vanguard Group Reserve Fed MM FD |
| Vanguard Group FTSE Social Index Admiral |
| Vanguard Group Small Cap Value Index Admiral |
| Vanguard Group Mid-Cap Value Index FD- Admiral |
| Vanguard Group Technology Index Admiral |
| Vanguard Group Health Care Index Admiral |
| Vanguard Group Financials Index Admiral |
| Vanguard Group Mid Cap Index Admiral |
| Vanguard Group Growth Index Admiral |
| Vanguard Group Value Index Admiral |
| Vanguard Group Extended Market Index |
| Vanguard Group Index 500 Admiral |
| Vanguard Group Developed Markets Index Admiral |
| Vanguard Group Emerging Markets Stock Admiral Class |
| Vanguard Group Short-Term Inflation Protected Securities Index Adm |
| Vanguard Group Telecom Services Index Admiral |
| Vanguard Group Specialized Dividend Appreciation Index Admiral |
| Vanguard Group Small Cap Index Admiral |
| Vanguard Group FTSE All World EX-US Index Admiral |
| Vanguard Group Pacific Stock Index Fund Admiral |
| Vanguard Group European Stock Index Admiral |
| Vanguard Group Specialized Dividend REIT Index Fund Admiral SHS |
| Vanguard Group Mid Cap Growth Index Admiral |
Investment model portfolios
We provide two types of investment model portfolios for HYDY 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 HYDY 401(K) PLAN