Investment options of IUOE LOCAL 478 ANNUITY FUND
Total Available Funds: 24
| Investment Description |
|---|
| AMRCN FNDS 2010 TRGT DT RET FD 125,183 $ – |
| AMRCN FNDS 2015 TRGT DT RET FD 233,161 – |
| AMRCN FNDS 2020 TRGT DT RET FD 662,106 – |
| AMRCN FNDS 2025 TRGT DT RET FD 1,862,066 – |
| AMRCN FNDS 2030 TRGT DT RET FD 2,270,327 – |
| AMRCN FNDS 2035 TRGT DT RET FD 1,457,271 – |
| AMRCN FNDS 2040 TRGT DT RET FD 1,336,604 – |
| AMRCN FNDS 2045 TRGT DT RET FD 1,105,304 – |
| AMRCN FNDS 2050 TRGT DT RET FD 932,071 – |
| AMRCN FNDS 2055 TRGT DT RET FD 544,267 – |
| AMRCN FNDS 2060 TRGT DT RET FD 634,495 – |
| DODGE & COX INCOME X 606,259 – |
| DODGE & COX STOCK X 86,157 – |
| GUARANTEED INTEREST FUND – – |
| HARTFORD INTL OPPORTUNITIES FD (MF-2969) 127,777 – |
| HRTFRD SCHRDR US MD CP OPPS FD (MF-4011) 372,346 – |
| INVESCO GLOBAL R6 82,282 – |
| MASSMUTUAL MID CAP GROWTH I 387,756 – |
| MM S&P 500® INDEX I 1,272,975 – |
| PREMIER MONEY MRKT FD (BARINGS) (MF-G) 13,000 – |
| PREMIER MONEY MRKT FD (BARINGS) (U) – – |
| VANGUARD INFL-PROTECTED SEC FD 199,511 – |
| VANGUARD RUSSELL 1000GRIDXFD 46,884 – |
| MASS MUTUAL GAC 60024 VARIABLE $ – |
Investment model portfolios
We provide two types of investment model portfolios for IUOE LOCAL 478 ANNUITY FUND 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 IUOE LOCAL 478 ANNUITY FUND