Investment options of OPENAI 401(K) PLAN
Total Available Funds: 63
| Investment Description |
|---|
| Personal Choice Retirement Account – Common Stock |
| Vanguard 500 Index Fund Admiral Shares |
| Vanguard Value Index Fund Admiral Shares |
| Vanguard Growth Index Fund Admiral Shares |
| Vanguard Global Equity Fund Investor Shares |
| Vanguard Mid-Cap Index Fund Admiral Shares |
| MFS International Equity Fund Class R6 |
| Vanguard High-Yield Corporate Fund Admiral Shares |
| Vanguard Small-Cap Index Fund Admiral Shares |
| Vanguard Mid-Cap Value Index Fund Admiral Shares |
| Vanguard Developed Markets Index Fund Admiral |
| Vanguard Mid-Cap Growth Index Admiral Shares |
| Vanguard Small-Cap Value Index Fund Admiral Shares |
| Vanguard Intermediate-Term Bond Index Fund Admiral Shares |
| Vanguard Small-Cap Growth Index Fund Admiral Shares |
| Vanguard Emerging Markets Stock Index Fund Admiral Shares |
| Vanguard Institutional target Retirement 2020 Fund Institutional Shares |
| Vanguard Institutional target Retirement 2025 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2030 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2035 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2040 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2045 Fund Institutional Shares |
| Vanguard Institutional target Retirement 2050 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2055 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2060 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2065 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2070 Fund Institutional Shares |
| Calvert US Large Cap Core Responsible Index Fund Class I |
| Vanguard Target Retirement Income Fund |
| BlackRock High Yield K |
| DFA Investment Grade I |
| rates ranging from 8.00% to 9.50% – |
| BLACKROCK HIGH YIELD BOND K Registered Investment Company |
| CALVERT USLGCPCORE RSPNBIDX R6 Registered Investment Company |
| DFA INVESTMENT GRADE CL I Registered Investment Company |
| MFS INSTL INTL EQUITY Registered Investment Company |
| VANGUARD 500 INDEX ADMIRAL Registered Investment Company |
| VANGUARD DEVELOPED MKT IDX ADM Registered Investment Company |
| VANGUARD EMRG MKTS INDEX ADM Registered Investment Company |
| VANGUARD GLOBAL EQUITY INV Registered Investment Company |
| VANGUARD GROWTH INDEX ADMIRAL Registered Investment Company |
| VANGUARD HIGH-YIELD CORP ADM Registered Investment Company |
| VANGUARD INTERM TERM BD IDX A Registered Investment Company |
| VANGUARD MDCP GRTH INDEX ADM Registered Investment Company |
| VANGUARD MID CAP INDEX ADMIRAL Registered Investment Company |
| VANGUARD MID CAP VALUE IDX ADM Registered Investment Company |
| VANGUARD SM CAP VAL INDEX ADM Registered Investment Company |
| VANGUARD SMALL CAP GRTH INDEX Registered Investment Company |
| VANGUARD SMALL CAP INDEX ADMRL Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2020 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2025 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2030 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2035 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2040 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2045 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2050 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2055 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2060 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2065 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2070 Registered Investment Company |
| VANGUARD TARGET RETMT INCOME Registered Investment Company |
| VANGUARD VALUE INDEX ADM Registered Investment Company |
| OUTSIDE ASSET – Common Stock Common Stock |
Investment model portfolios
We provide two types of investment model portfolios for OPENAI 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 OPENAI 401(K) PLAN