Investment options of MICRO FOCUS US 401(K) PLAN.
Total Available Funds: 29
| Investment Description |
|---|
| BTC LIFEPATH 2065 COLLECTIVE TRUST FUND |
| PIM INTL BD US MUTUAL FUND |
| VANG TOT STK MKT MUTUAL FUND |
| VANG FTSE SOC IDX MUTUAL FUND |
| DODGE & COX STOCK MUTUAL FUND |
| VANG MIDCAP IDX MUTUAL FUND |
| VANG SM CAP IDX MUTUAL FUND |
| BTC LIFEPATH RET COLLECTIVE TRUST FUND |
| BTC LIFEPATH 2025 COLLECTIVE TRUST FUND |
| BTC LIFEPATH 2030 COLLECTIVE TRUST FUND |
| BTC LIFEPATH 2035 COLLECTIVE TRUST FUND |
| BTC LIFEPATH 2040 COLLECTIVE TRUST FUND |
| BTC LIFEPATH 2045 COLLECTIVE TRUST FUND |
| BTC LIFEPATH 2050 COLLECTIVE TRUST FUND |
| BTC LIFEPATH 2055 COLLECTIVE TRUST FUND |
| BTC LIFEPATH 2060 COLLECTIVE TRUST FUND |
| VANG GRTH INDEX MUTUAL FUND |
| DODGE & COX INTL STK MUTUAL FUND |
| DFA US SM CAP VALUE MUTUAL FUND |
| DFA EMERGING MKTS I MUTUAL FUND |
| VANG SM GR IDX MUTUAL FUND |
| METWEST TOT RTN BD MUTUAL FUND |
| DFA INTL SMALL CO MUTUAL FUND |
| DFA INF PRT SEC PORT MUTUAL FUND |
| VANG MDCPVAL IDX MUTUAL FUND |
| FIMM GOVT MUTUAL FUND |
| MIP II CL 1 COLLECTIVE TRUST FUND |
| FID US BOND IDX MUTUAL FUND |
| FID INTL INDEX MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for MICRO FOCUS US 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 MICRO FOCUS US 401(K) PLAN.