Investment options of MY POSSIBILITIES 401(K) PLAN
Total Available Funds: 15
| Investment Option List |
|---|
| The Vanguard Group Vanguard Group Bond Index Fund – Admiral Class (VBMFX) |
| The Vanguard Group Vanguard Short-Term Inflation Protected Securities Index Fund – Admiral Class (VTSPX) |
| The Vanguard Group Vanguard Group FTSE Social Index Fund – Admiral Class (VFTNX) |
| The Vanguard Group Vanguard Telecom Services Index Fund – Admiral Class (VTCAX) |
| The Vanguard Group Vanguard Information Technology Index Fund – Admiral Class (VITAX) |
| The Vanguard Group Vanguard Financials Index Fund – Admiral Class (VFAIX) |
| The Vanguard Group Vanguard Group Large Cap Index Fund – Admiral Class (VLCAX) |
| The Vanguard Group Vanguard Group Mid Cap Index Fund – Admiral Class (VIMSX) |
| The Vanguard Group Vanguard Group Growth Index Fund – Admiral Class (VQNPX) |
| The Vanguard Group Vanguard Group Small Cap Index Fund – Admiral Class (VISVX) |
| The Vanguard Group Vanguard Group 500 Index Fund – Admiral Class (VFINX) |
| The Vanguard Group Vanguard Funds Developed Markets Index Fund – Admiral Class (VDMIX) |
| The Vanguard Group Vanguard Emerging Markets Stock Fund – Admiral Class (VEIEX) |
| The Vanguard Group Vanguard Specialized Dividend REIT Index Fund – Admiral Class (VGSIX) |
| maturing through December 2026 $ – |
Investment model portfolios
We provide two types of investment model portfolios for MY POSSIBILITIES 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 MY POSSIBILITIES 401(K) PLAN