Investment options of NORTHWEST FEDERAL CREDIT UNION 401(K) SAVINGS PLAN
Total Available Funds: 34
| Investment Description |
|---|
| FIDELITY US BOND INDEX FUND |
| PIMCO REAL RETURN ADMINISTRATIVE |
| ALLSPRING EMERGING MARKETS EQUITY FUND |
| COHEN & STEERS REAL ESTATE SECURITIES Z |
| FIDELITY INTERNATIONAL INDEX FUND |
| FIDELITY LOW PRICED STOCK FUND |
| FIDELITY 500 INDEX FUND |
| T. ROWE PRICE HEALTH SCIENCES FUND |
| INVESCO INTERNATIONAL SMALL MID COMPANY Y |
| JANUS HENDERSON GLOBAL TECHNOLOGY AND INNOVATION FUND CLASS T |
| JOHN HANCOCK DISCIPLINED VALUE MID CAP FUND |
| MASSMUTUAL SELECT MID CAP GROWTH ADMINISTRATIVE |
| T. ROWE PRICE OVERSEAS STOCK FUND |
| T. ROWE PRICE GOVERNMENT MONEY FUND |
| T. ROWE PRICE TARGET RETIREMENT 2005 TR-A |
| T. ROWE PRICE TARGET RETIREMENT 2010 TR-A |
| T. ROWE PRICE TARGET RETIREMENT 2015 TR-A |
| T. ROWE PRICE TARGET RETIREMENT 2020 TR-A |
| T. ROWE PRICE TARGET RETIREMENT 2025 TR-A |
| T. ROWE PRICE TARGET RETIREMENT 2030 TR-A |
| T. ROWE PRICE TARGET RETIREMENT 2035 TR-A |
| T. ROWE PRICE TARGET RETIREMENT 2040 TR-A |
| T. ROWE PRICE TARGET RETIREMENT 2045 TR-A |
| T. ROWE PRICE TARGET RETIREMENT 2050 TR-A |
| T. ROWE PRICE TARGET RETIREMENT 2055 TR-A |
| T. ROWE PRICE TARGET RETIREMENT 2060 TR-A |
| T. ROWE PRICE TARGET RETIREMENT 2065 TR-A |
| T. ROWE PRICE SELF-DIRECTED BROKERAGE ACCOUNT |
| T. ROWE PRICE STABLE VALUE FUND |
| WILMINGTON TRUST CORE BOND FUND CLASS I1 |
| WILMINGTON TRUST LARGE CAP GROWTH I1 |
| WILMINGTON TRUST LARGE CAP VALUE I1 |
| WILMINGTON TRUST SMALL CAP GROWTH I1 |
| WILMINGTON TRUST SMALL CAP VALUE I1 |
Investment model portfolios
We provide two types of investment model portfolios for NORTHWEST FEDERAL CREDIT UNION 401(K) SAVINGS 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 NORTHWEST FEDERAL CREDIT UNION 401(K) SAVINGS PLAN