Investment options of OAKPOINT 401(K) PLAN
Total Available Funds: 36
| Investment Description |
|---|
| AB Small Cap Growth |
| American Funds New Perspective R6 |
| American Funds New World R6 |
| Blackrock MidCap Growth Equity K |
| DFA Inflation-Protected Securities |
| Fidelity 500 Index |
| JPMorgan Large Cap Growth Index |
| MFS International Diversification R6 |
| PGIM High Yield R6 |
| TIAA-CREF Lifecycle Index 2020 Inst |
| TIAA-CREF Lifecycle Index 2025 Inst |
| TIAA-CREF Lifecycle Index 2030 Inst |
| TIAA-CREF Lifecycle Index 2035 Inst |
| TIAA-CREF Lifecycle Index 2040 Inst |
| TIAA-CREF Lifecycle Index 2045 Inst |
| TIAA-CREF Lifecycle Index 2050 Inst |
| TIAA-CREF Lifecycle Index 2055 Inst |
| TIAA-CREF Lifecycle Index 2060 Inst |
| TIAA-CREF Lifecycle Index 2065 Inst |
| Vanguard Balanced |
| Vanguard Equity-Income |
| Vanguard Interm-Term Bond Index |
| Vanguard MidCap Index |
| Vanguard MidCap Value Index Admiral |
| Vanguard Small Cap Index |
| Vanguard Small Cap Value Index Admiral |
| Rates from 4.25% to 9.50% – |
| AB AB Small Cap Gr Z |
| Blackrock Mid Cap Gr Eq K |
| Dimensional DFA Infl-Prtctd Sec I |
| Prudential PGIM High Yield R6 |
| Tiaa-Cref TIAA-CREF Lifecycle Idx 2055 Instl |
| Tiaa-Cref TIAA-CREF Lifecycle Index 2035 Inst |
| Tiaa-Cref TIAA-CREF Lifecycle Index 2045 Inst |
| Tiaa-Cref TIAA-CREF Lifecycle Index 2050 Inst |
| Vanguard Mid-Cap Val Idx Admiral |
Investment model portfolios
We provide two types of investment model portfolios for OAKPOINT 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 OAKPOINT 401(K) PLAN