Investment options of INSPIRE11 401(K) PLAN
Total Available Funds: 37
| Investment Option List |
|---|
| Vanguard Funds Developed Mkts Index ADM |
| Vanguard Grp Bond Index Admiral Class (VBMFX) |
| Vanguard Group Index 500 Admiral (VFINX) |
| Vanguard Emerging Mkts STK ADM CL (VERSX) |
| Vanguard Group Long Term Bond Index ADM (VBLTX) |
| Vanguard Group Growth Index ADM (VTGLX) |
| Vanguard Group Mid Cap Index Admiral (VIMSX) |
| Vanguard Information Technology Index ADM (VITAX) |
| Vanguard Group Small Cap Value Index Admiral (VISVX) |
| Vanguard Group Value Index ADM (VTRIX) |
| Vanguard Specialized Div Dividend Apprec Index ADM |
| Vanguard Group Extended Market Index (VEXMX) |
| Vanguard Group FTSE Social Index ADM (VFTNX) |
| Vanguard Group Small Cap Value Index ADM (VISVX) |
| Vanguard Health Care Index ADM (VGHCX) |
| Vanguard Grp Inflation Protected Security (VIPSX) |
| Vanguard Utilities Index Admiral (VUIAX) |
| Vanguard Group Small Cap Growth Index Admiral (VISGX) |
| Vanguard Financials Index ADM (VAARX) |
| Vanguard Group LG CAP Index Fund ADML (VISVX) |
| Vanguard Group Reserve FED MM FD |
| Vanguard Group EQ INC Admiral |
| Vanguard Group Mid-Cap Value Index FD -Admiral (VMVIX) |
| Vanguard Specialized Div Reit Index Fund ADM SHS (VGSIX) |
| Vanguard Group Short Term Bond Index Admiral (VBISX) |
| Vanguard Group Intm Bd Index Admiral |
| Vanguard Group High Divid Yield Index Admiral (VWEHX) |
| Vanguard Group International Dividend Appreciation (VIAAX) |
| Vanguard Industrials Index Admiral (VINAX) |
| Vanguard Group Ftse All-World ex-Us Index Admiral (VFWIX) |
| Vanguard Materials Index Admiral (VMIAX) |
| Vanguard Telecom Services Index Admiral (VTCAX) |
| Vanguard Energy Index Admiral (VGENX) |
| Vanguard FTSE All-World ex-US SM CAP Admiral (VFSVX) |
| Vanguard Pacific Stock Index Fund Admiral (VPACX) |
| Vanguard European Stock Index Admiral (VEURX) |
| from 4.25 percent to 9.50 percent – |
Investment model portfolios
We provide two types of investment model portfolios for INSPIRE11 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 INSPIRE11 401(K) PLAN