Investment options of LEGACY 401(K) PLAN
Total Available Funds: 31
| Investment Description |
|---|
| Vanguard Target Retirement 2030 |
| Vanguard Target Retirement 2035 |
| Vanguard Target Retirement 2050 |
| Fidelity Investments Fidelity Blue Chip Growth Fund |
| Vanguard Target Retirement 2045 |
| Vanguard Target Retirement 2025 |
| Vanguard Target Retirement 2055 |
| Vanguard Target Retirement 2060 |
| Fidelity Investments Fidelity 500 Index |
| Fidelity Investments Fidelity Managed Income Portfolio |
| Vanguard Target Retirement 2020 |
| Fidelity Investments Fidelity Asset Manager 70% |
| American Funds New Perspective |
| Vanguard Target Retirement 2065 |
| MFS Investment Management MFS Mid Cap Value Fund |
| T. Rowe Price US Equity Research Fund |
| Allspring Global Investments Allspring Core Bond |
| Fidelity Investments Fidelity International Index |
| Vanguard Mid-Cap Index Fund |
| American Funds EuroPacific Growth |
| Fidelity Investments Fidelity Asset Manager 85% |
| Vanguard Target Retirement Income |
| J.P. Morgan Funds J.P. Morgan US Small Company |
| Fidelity Investments Fidelity Small Cap Value |
| Baird Baird Mid Cap Fund |
| MFS Investment Management MFS Value |
| American Funds US Government Sector |
| Fidelity Investments Fidelity Asset Manager 40% |
| Fidelity Investments Fidelity Asset Manager 20% |
| Fidelity Investments Fidelity Balanced Fund |
| 10.50% maturing through December 2029 N/A |
Investment model portfolios
We provide two types of investment model portfolios for LEGACY 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 LEGACY 401(K) PLAN