Investment options of MAZUMA CREDIT UNION 401(K) SUCCESS SHARING PLAN
Total Available Funds: 33
| Investment Description |
|---|
| FIDELITY GOALPATH 2030 CONSERVATIVE PORTFOLIO |
| FIDELITY GOALPATH 2040 CONSERVATIVE PORTFOLIO |
| FIDELITY FIDELITY 500 INDEX FUND - PREMIUM CLASS |
| FIDELITY GOALPATH 2020 CONSERVATIVE PORTFOLIO |
| FIDELITY GOALPATH 2050 CONSERVATIVE PORTFOLIO |
| VANGUARD VANGUARD FEDERAL MONEY MARKET MUTUAL FUND INVESTOR SHARES |
| T. ROWE PRICE T. ROWE PRICE NEW HORIZONS FUND |
| FIDELITY GOALPATH 2040 MODERATE PORTFOLIO |
| FIDELITY FIDELITY INTERNATIONAL INDEX FUND - PREMIUM CLASS |
| CAPITAL GROUP AMERICAN FUNDS AMCAP FUND CLASS R-6 |
| BLACK ROCK ISHARES U.S. AGGREGATE BOND INDEX FUND CLASS K |
| FIDELITY GOALPATH 2040 AGGRESSIVE PORTFOLIO |
| FIDELITY GOALPATH 2060 CONSERVATIVE PORTFOLIO |
| CAPITAL GROUP AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-6 |
| BLACK ROCK ISHARES RUSSELL MID-CAP INDEX FUND CLASS K |
| FIDELITY BROKERAGELINK |
| FIDELITY GOALPATH 2050 AGGRESSIVE PORTFOLIO |
| FIDELITY GOALPATH 2030 MODERATE PORTFOLIO |
| VANGUARD VANGUARD SHORT-TERM BOND INDEX FUND ADMIRAL SHARES |
| BLACK ROCK ISHARES RUSSELL 2000 SMALL-CAP INDEX FUND CLASS K |
| FIDELITY GOALPATH 2050 MODERATE PORTFOLIO |
| CAPITAL GROUP AMERICAN CENTURY MID-CAP VALUE FUND R6 CLASS |
| GOLDMAN SACHS GOLDMAN SACHS GROWTH OPPORTUNITIES FUND INSTITUTIONAL CLASS |
| FIDELITY GOALPATH 2060 AGGRESSIVE PORTFOLIO |
| AMERICAN BEACON ABF SMALL CAP VALUE FUND R6 |
| VANGUARD VANGUARD EQUITY-INCOME FUND ADMIRAL SHARES |
| DIMENSIONAL DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS |
| DIMENSIONAL DFA SELECTIVELY HEDGED GLOBAL EQUITY PORTFOLIO INSTITUTIONAL CLASS |
| METWEST METROPOLITAN WEST TOTAL RETURN BOND FUND PLAN CLASS |
| DIMENSIONAL DFA SELECTIVELY HEDGED GLOBAL EQUITY |
| IVY INVESTMENTS IVY INTERNATIONAL CORE EQUITY FUND CLASS I |
| FIDELITY GOALPATH 2030 AGGRESSIVE PORTFOLIO |
| DIMENSIONAL DFA SMALL CAP GROWTH |
Investment model portfolios
We provide two types of investment model portfolios for MAZUMA CREDIT UNION 401(K) SUCCESS SHARING 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 MAZUMA CREDIT UNION 401(K) SUCCESS SHARING PLAN