Investment options of NOWSECURE 401(K) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| Vanguard Short-Term Inflation Protected Security |
| Vanguard Reserve Fed Mm Fd |
| Vanguard Ftse Social Index Admiral |
| Vanguard Small Cap Value Index Admiral |
| Vanguard Mid-Cap Value Index Fd – Admiral |
| Vanguard Information Techology Index Adm |
| Vanguard Health Care Index Admiral |
| Vanguard Financials Index Adm |
| Vanguard Energy Index Admiral |
| Vanguard Mid Cap Index Admiral |
| Vanguard Growth Index Adm |
| Vanguard Value Index Adm |
| Vanguard Extended Market Index |
| Vanguard Index 500 Admiral |
| Vanguard Developed Markets Index Adm |
| Vanguard Emerging Markets Stk Adm Cl |
| Vanguard Reit Index Fund Adm Shs |
| Vanguard Group St Bd Index Admiral |
| Vanguard Industrials Index Admiral |
| Vanguard Group Long Term Bond Index Admiral |
| Vanguard Group High Divid Yield Index Admiral |
| Vanguard Specialized Dividend Apprec Index Adm |
| Vanguard Group Small Cap Growth Value Index Admiral |
| Vanguard Group Mid-Cap Growth Indez Admiral |
| Vanguard Utilities Index Admiral |
| Vanguard Telecom Services Index Admiral |
| Vanguard Materials Index Admiral |
| Vanguard Group Lg-Cap Index Fund Adml |
| Vanguard Group Sm-Cap Index Admiral |
| Vanguard European Stock Index Admiral |
Investment model portfolios
We provide two types of investment model portfolios for NOWSECURE 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 NOWSECURE 401(K) PLAN