Investment options of OPTA GROUP LP 401(K) PLAN
Total Available Funds: 35
| Investment Option List |
|---|
| The Vanguard Group, Inc. VANGUARD EQUITY INCOME ADM (VEIPX) |
| The Vanguard Group, Inc. VANGUARD TARGET RETIREMENT 2035 (VTTHX) |
| The Vanguard Group, Inc. VANGUARD TARGET RETIREMENT 2045 (VTIVX) |
| American Funds BALANCED R6 (GBLAX) |
| The Vanguard Group, Inc. VANGUARD TARGET RETIREMENT 2025 (VTTVX) |
| The Vanguard Group, Inc. VANGUARD TARGET RETIREMENT 2050 (VFIFX) |
| Fidelity Investments FIDELITY ASSET MGR 40% |
| iShares ISHARES US AGGRESSIVE BOND INDEX K |
| Fidelity Investments FIDELITY INTL INDEX (FAPCX) |
| The Vanguard Group, Inc. VANGUARD TARGET RETIREMENT 2060 (VTTSX) |
| The Vanguard Group, Inc. VANGUARD 500 INDEX ADM (VFINX) |
| The Vanguard Group, Inc. VANGUARD MDCP VAL IDX ADM |
| The Vanguard Group, Inc. VANGUARD INTL GROWTH ADM (VTGLX) |
| The Vanguard Group, Inc. VANGUARD TARGET RETIREMENT 2040 (VFORX) |
| Dimensional Fund Advisors DFA ITM GVT FXINC I |
| The Vanguard Group, Inc. VANGUARD TARGET RETIREMENT 2055 (VFFVX) |
| The Vanguard Group, Inc. VANGUARD HIGH YIELD CORP ADM (VWEHX) |
| The Vanguard Group, Inc. VANGUARD SMCPVL IDX ADM (VAARX) |
| The Vanguard Group, Inc. VANGUARD SMALL CAP IDX ADM (VISVX) |
| The Vanguard Group, Inc. VANGUARD MIDCAP IDX ADM (VAARX) |
| Fidelity Investments FIDELITY MULTI ASSET IDX (FAYZX) |
| JP Morgan JPM EMERGING MKTS EQ R6 |
| The Vanguard Group, Inc. VANGUARD SMCP GROWTH IDX ADM (VTGLX) |
| The Vanguard Group, Inc. VANGUARD REAL EST IDX ADM |
| The Vanguard Group, Inc. VANGUARD INFO TEC IDX AD |
| The Vanguard Group, Inc. VANGUARD TARGET RETIREMENT 2030 (VTHRX) |
| American Funds NEW PERSPECT R6 (HVWBX) |
| The Vanguard Group, Inc. VANGUARD ST CP BD IDX AD |
| The Vanguard Group, Inc. VANGUARD MDCPGR IDX ADM (VAARX) |
| The Vanguard Group, Inc. VANGUARD TARGET RETIREMENT 2065 (VSXFX) |
| Dimensional Fund Advisors DFA GLOBAL ALLOCATION 25/75 I (IDFIX) |
| American Funds SMALLCAP WORLD R6 (FSFWX) |
| The Vanguard Group, Inc. VANGUARD TARGET RETIREMENT INC (VTINX) |
| The Vanguard Group, Inc. VANGUARD INTL VALUE (VTRIX) |
| The Vanguard Group, Inc. VANGUARD TARGET RETIREMENT 2020 (VTWNX) |
Investment model portfolios
We provide two types of investment model portfolios for OPTA GROUP LP 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 OPTA GROUP LP 401(K) PLAN