Investment options of INSTITUTIONAL SHAREHOLDER SERVICES INC. 401(K) RETIREMENT SAVINGS PLAN
Total Available Funds: 26
| Investment Description |
|---|
| T. ROWE PRICE TRP STABLE VALUE FUND |
| FIDELITY FIDELITY CAPITAL & INCOME |
| PGIM PGIM TOTAL RETURN BOND R6 |
| PIMCO PIMCO REAL RETURN |
| VANGUARD VANGUARD INTERM TERM BOND IND |
| AMERICAN FUNDS AMERICAN FNDS WA MUTUAL INV R6 |
| AMERICAN FUNDS AMERICAN FUNDS EUROPAC GRW R6 |
| BLACKROCK BLACKROCK MIDCAP GROWTH EQ K |
| DRIEHAUS EMERGING DRIEHAUS EMRGING MRKTS GR INST |
| GOLDMAN SACHS GOLDMAN SACHS SMALL CAP VAL R6 |
| HARBOR FUNDS HARBOR CAPITAL APP RETIREMENT |
| JOHN HANCOCK J HANCOCK DISC VAL MID CAP R6 |
| LOOMIS LOOMIS SAYLES SM CAP GROWTH N |
| MASS MUTUAL MASSMUTUAL MIDCAP GROWTH I |
| MFS MFS INTL INTRINSIC VAL R6 |
| MFS MFS VALUE R6 |
| PRINCIPAL PRINCIPAL REAL EST SEC FD R-6 |
| T. ROWE PRICE T ROWE PRICE GOVERNMENT MONEY |
| VANGUARD VANGUARD FTSE SOCIAL INDEX ADM |
| VANGUARD VANGUARD, TARGET RTMT 2020 INV |
| VANGUARD VANGUARD, TARGET RTMT 2025 INV |
| VANGUARD VANGUARD, TARGET RTMT 2030 INV |
| VANGUARD VANGUARD, TARGET RTMT 2035 INV |
| VANGUARD VANGUARD, TARGET RTMT 2040 INV |
| VANGUARD VANGUARD, TARGET RTMT 2045 INV |
| VANGUARD VANGUARD, TARGET RTMT 2050 INV |
Investment model portfolios
We provide two types of investment model portfolios for INSTITUTIONAL SHAREHOLDER SERVICES INC. 401(K) RETIREMENT SAVINGS 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 INSTITUTIONAL SHAREHOLDER SERVICES INC. 401(K) RETIREMENT SAVINGS PLAN