Investment options of PARATRANSIT SERVICES 403(B) PLAN
Total Available Funds: 63
| Investment Description |
|---|
| VY TRwPr Cap Apprec Port Srv + |
| American Funds Wash Mutual R4 + |
| VY TRwPr Grw Eqty Pt I + |
| Voya Solution 2025 Port Srv + |
| Voya Index Plus MidCap Prt I + |
| Fidelity VIP Growth Port I + |
| American Funds Fdmntl Inv R4 + |
| American Funds Nw Prspctv R4 + |
| Fidelity VIP Contrafund Pt I + |
| Voya Growth and Income Port I + |
| Victory Prec Metals & Mn Fd A + |
| Alger Responsible Investing A + |
| Calvert VP SRI Balanced Port + |
| VY TRwPr Divr MdCp Gr Pt I + |
| Voya Index Plus LargeCap Prt I + |
| Voya Large Cap Growth Prt Ins + |
| Voya Index Plus SmallCap Prt I + |
| Wanger Acorn + |
| American Funds Growth Fnd R4 + |
| Voya Intermediate Bond Prt I + |
| Templeton Global Bond Fund A + |
| VY Invesco Comstock Port Srv + |
| Voya Russell LgCp Indx Prt I + |
| Voya Glob Insights Port Init + |
| Amana Growth Fund Inv + |
| VY Baron Growth Port Srv + |
| Lazard Intl Equity Port Opn + |
| VY CBRE Rl Estate Prt Srv + |
| AMG River Rd Md Cp Val Fd N + |
| BlkRck Md-Cp Value Fnd IA + |
| Fidelity VIP Eqty-Inc Prt I + |
| Invesco VI Core Eqty Fund SI + |
| American Funds EuroPacific R4 + |
| Voya Mid Cap Opport Port I + |
| Inv Dev Mrkts Fd A + |
| Invesco VI Amr Franchise Fd I + |
| Voya Glo Hi Div Low Vol Prtf I + |
| Voya SmCp Opport Port I + |
| VY JPM SmCp Cr Eq Port Srv + |
| Voya Solution 2045 Port Srv + |
| Voya Russell MdCp Indx Prt I + |
| Voya Russell SmCp Indx Prt I + |
| Voya Large Cap Value Port Ins + |
| Voya Solution 2055 Port Srv + |
| VY JPM MdCp Value Port Srv + |
| Voya Russell LCp Gr Ind Prt I + |
| Voya Solution 2035 Port Srv + |
| Voya Small Company Port I + |
| Voya Solution Income Pt Srv + |
| Voya High Yield Port Ins + |
| Voya Russell LC Vl Ind Prt S + |
| Lord Abbett Srs Fd MC St Pt VC + |
| Voya Solution 2040 Port Srv + |
| Allspg Spec SmCp Vl Fd A + |
| VY JPM Emrg Mkts Eq Port Srv + |
| Voya Solution 2030 Port Srv + |
| Macq Science and Technology Y + |
| Voya Solution Conserv Pt I + |
| VY AmCen Sm-MdCp Vl Pt Srv + |
| Voya Fixed Plus Account II A Guaranteed Interest Contract |
| Voya Fixed Account (4550) Guaranteed Interest Contract |
| Voya Fixed Plus Account (4564) Guaranteed Interest Contract |
| Voya Short-Term GAA Guaranteed Interest Contract |
Investment model portfolios
We provide two types of investment model portfolios for PARATRANSIT SERVICES 403(B) 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 PARATRANSIT SERVICES 403(B) PLAN