Investment options of LIGHTHOUSE HR SERVICES,LLC 401(K) PLAN
Total Available Funds: 31
| Investment Option List |
|---|
| Nuveen Lifecycle Idx 2045 J |
| Nuveen Lifecycle Idx 2055 J |
| Nuveen Lifecycle Idx 2035 J |
| JPMorgan LgCp Grw Fnd R6 |
| Fidelity (FDGFX) |
| Nuveen Lifecycle Idx 2060 J |
| Nuveen Lifecycle Idx 2040 J |
| Nuveen Lifecycle Idx 2050 J |
| Nuveen Lifecycle Idx 2025 J |
| Fidelity Mid Cap Idx Fd |
| Large Cap Value Fund R1 |
| Nuveen Lifecycle Idx 2065 J |
| Nuveen Lifecycle Idx 2030 J |
| Fidelity Intl Index Fnd |
| Fidelity Sm Cp Ind Fd |
| Nuveen Lifecycle Idx Ret Inc J |
| Vangrd Explorer Fund Adm |
| DFA US Targeted Vl Port Ins (DTCPX) |
| JPMorgan Mid Cap Growth Fd R6 |
| Fid Inf Prt Bd Idx Fd |
| MFS Mid Cap Value Fund R6 (MVCKX) |
| International Equity Fund R1 (AAIPX) |
| Voya Gv Mny Mkt F A (Hld Acct) |
| Cohen & Steers US Rlty Fd RS (RLTY) |
| American Funds New World R6 (HVWBX) |
| PIMCO Income Fund Ins (PFIIX) |
| Fid Ttl Mkt Id Fd |
| Fid US Bd Id Fd |
| Voya Fixed Account (VOYA) |
| Notes receivable from participants (4.25%-9.50%) (NOTES) |
| P a g e | |
Investment model portfolios
We provide two types of investment model portfolios for LIGHTHOUSE HR SERVICES,LLC 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 LIGHTHOUSE HR SERVICES,LLC 401(K) PLAN