Investment options of NVISION EYE CENTERS 401(K) PLAN
Total Available Funds: 23
| Investment Option List |
|---|
| American Funds Capital Income Builder Fund R6 (FBCIX) |
| American Funds New World Fund R4 (HVWBX) |
| Fidelity Advisor International Cap App Z (FIXIX) |
| Hartford Schroders International Stock Fund R4 (SCIEX) |
| iShares MSCI EAFE International Index Fund K (BTMPX) |
| iShares Russell 2000 Small-Cap Index Fund K (BDBPX) |
| iShares Russell Mid-Cap Index Fund K (IRGVX) |
| iShares S&P 500 Index Fund K (BSPPX) |
| JP Morgan Large Cap Growth Fund A (SNIGX) |
| JP Morgan Mid Cap Growth R6 (DGRDX) |
| Pioneer Bond Fund Y (LSGAX) |
| Pioneer Strategic Income Fund Y (STIZX) |
| Undiscovered Managers Behavioral Value Fund L (UBVLX) |
| Vanguard Equity Income Admiral Fund (VEIPX) |
| Putnam Retirement Advantage 2025 Fund I (PBATX) |
| Putnam Retirement Advantage 2030 Fund I (PDGKX) |
| Putnam Retirement Advantage 2035 Fund I (PCDLX) |
| Putnam Retirement Advantage 2040 Fund I (PALZX) |
| Putnam Retirement Advantage 2045 Fund I (PAFJX) |
| Putnam Retirement Advantage 2050 Fund I (PAEKX) |
| Putnam Retirement Advantage 2055 Fund I (PAAWX) |
| Putnam Retirement Advantage Maturity Fund I (PADLX) |
| Empower Retirement Key Guaranteed Portfolio Fund A |
Investment model portfolios
We provide two types of investment model portfolios for NVISION EYE CENTERS 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 NVISION EYE CENTERS 401(K) PLAN