Investment options of NEW HORIZONS 401(K) PLAN
Total Available Funds: 32
| Investment Description |
|---|
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| NUV LIFECYCLE INDX 2055 CL |
| AMERICAN FUNDS NEW PERSP R5E |
| NUVEEN LC INDEX 2060 PREM |
| FIDELITY PURITAN FUND |
| NUVEEN LC INDEX 2015 PREM |
| ALLSPRING SPECIAL SC VAL INST |
| ALLSPRING DISC US CORE I |
| VICTORY ESTABLISHED VALUE I |
| AMERICAN FUNDS CAP INC BLD R5E |
| NUVEEN LC INDEX 2020 PREM |
| JOHN HANCOCK INTL GROWTH R4 |
| NUVEEN LC INDEX 2045 PREM |
| NUVEEN LC INDX 2035 PREMIER |
| NUVEEN LC INDEX 2030 PREM |
| THE HARTFORD BALANCED INC R5 |
| TROWE PRICE EQUITY INDEX |
| JANUS HENDERSON TRITON T |
| JANUS HENDERSON ENTERPRISE – T |
| COLUMBIA MID CAP INDEX I2 |
| NUVEEN LC INDEX 2040 PREM |
| NUVEEN LC INDEX 2050 PREM |
| PIONEER FUNDAMENTAL GROWTH Y |
| NUVEEN LC IDXRET INC -PREM |
| NUVEEN LC INDEX 2010 PREM |
| MACQUARIE VALUE INST |
| NUVEEN LCINDX 2025 PREMIER |
| PRINCIPAL SM CAP SP600 IDX R5 |
| MET GG SV 25554 – K |
| STATE ST INTL IDX SEC LEND VI |
| STATE ST US BD IDX SL VI |
Investment model portfolios
We provide two types of investment model portfolios for NEW HORIZONS 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 NEW HORIZONS 401(K) PLAN