Investment options of OMT-VEYHL 401(K) PLAN
Total Available Funds: 27
| Investment Option List |
|---|
| AMERFDS 2055 TARG DATE RET-R4 (DRIKX) |
| DWS RREEF REAL EST SEC A (RRRBX) |
| JPM EQ INCOME FD R3 |
| JANUS HENDERSONTRITON FUND – S (JANUS) |
| AMERFDS 2065 TARG DATE RET R4 |
| PIMCO RAE EMKTS A (PCFIX) |
| NATIONWIDE INTL INDEX – A |
| COLUMBIA MID CAP IDX A (TIMGX) |
| AMERFDS 2035 TARG DATE RET-R4 (DRIGX) |
| ISHARES US AGGREGATE BD IDX A |
| AMERFDS 2025 TARG DATE RET-R4 (DRIUX) |
| WESTERN INTERMEDIATE BOND A (WATIX) |
| ISHARES S&P 500 INDEX A (BSPPX) |
| AMERFDS 2050 TARG DATE RET-R4 (DRIJX) |
| T ROWE DIVIDEND GRTH ADV (ITRAX) |
| VANGUARD SM CAP VAL INDEX ADM (VSLVX) |
| GOLDMAN SACHS FIN SQ GOVT A (GSDGX) |
| AMERFDS 2020 TARG DATE RET-R4 (DRIRX) |
| COLUMBIA SM CAP IDX A |
| AMERFDS 2045 TARG DATE RET-R4 (DRIIX) |
| AMERFDS 2040 TARG DATE RET-R4 (DRIHX) |
| AMERFDS 2015 TARG DATE RET-R4 (DRIQX) |
| JHANCOCK DISC VAL INTL R4 |
| AMERFDS 2030 TARG DATE RET-R4 |
| AMER FND GR FND OF AMERICA-R4 |
| AMERFDS 2010 TARG DATE RET-R4 |
| AMERFDS 2060 TARG DATE RET-R4 (DRILX) |
Investment model portfolios
We provide two types of investment model portfolios for OMT-VEYHL 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 OMT-VEYHL 401(K) PLAN