Investment options of MORNINGSTAR INC. 401K PLAN
Total Available Funds: 37
| Investment Description |
|---|
| SELECTED AMERICAN SHARES D |
| VANGUARD INTL GROWTH ADMIRAL |
| VANGUARD INSTITUTIONAL INDEX |
| HARBOR CAPITAL APPRECIATION |
| OAKMARK SELECT INVESTOR |
| T. ROWE PRICE STABLE VALUE COM TRUST A |
| PERSONAL CHOICE RETIREMENT SELF-DIRECTED BROKERAGE ACCOUNT |
| PERSONAL CHOICE RETIREMENT 2 SELF-DIRECTED BROKERAGE ACCOUNT |
| MORNINGSTAR LIFETIME MOD 2015 |
| MORNINGSTAR LIFETIME MOD 2020 |
| MORNINGSTAR LIFETIME MOD 2030 |
| MORNINGSTAR LIFETIME MOD 2040 |
| MORNINGSTAR LIFETIME MOD 2050 |
| MORNINGSTAR LIFETIME MOD 2060 |
| WASATCH SMALL CAP GROWTH FUND |
| VANGUARD SELECTED VALUE |
| PRIMECAP ODYSSEY AGGR GROWTH |
| PIMCO REAL RETURN FUND INSTL |
| SCHWAB BANK SAVINGS MONEY MARKET |
| CASH |
| VANGUARD FTSE SOCIAL INDEX |
| LOOMIS SAYLES BOND FUND |
| OPPENHEIMER DEVELOPING MARKETS |
| PIMCO COMMODITY REAL RET INSTL |
| DODGE & COX INTERNATIONAL STOCK |
| DFA INTERNATIONAL SMALL COMPANY |
| VANGUARD TOTAL BOND MARKET INDEX |
| VANGUARD SMALL CAP INDEX INSTL |
| AMERICAN FUNDS NEW WORLD R6 |
| PIMCO TOTAL RETURN FUND CL A |
| ROYCE SPECIAL EQUITY SVC |
| T ROWE PRICE HIGH YIELD |
| VANGUARD EMRG MKTS INDEX ADM |
| AMERICAN FUNDS WA MUTUAL R5E |
| VANGUARD REAL ESTATE INX INSTL |
| VANGUARD DEVELOPED MARKETS INDEX INSTL |
| DODGE & COX GLOBAL BOND FUND |
Investment model portfolios
We provide two types of investment model portfolios for MORNINGSTAR INC. 401K 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 MORNINGSTAR INC. 401K PLAN