Investment options of PAY AND SAVE INC 401K PLAN
Total Available Funds: 32
| Investment Description |
|---|
| HAND BENEFITS & TRUST COMPANY AMERICAN BALANCED FUND |
| HAND BENEFITS & TRUST COMPANY INVESCO PREMIER US GOVERNMENT MONEY MARKET |
| HAND BENEFITS & TRUST COMPANY VANGUARD 500 INDEX FUND ADMIRAL CLASS |
| HAND BENEFITS & TRUST COMPANY BLACKROCK LIFEPATH INDEX RETIREMENT |
| HAND BENEFITS & TRUST COMPANY FIDELITY LARGE CAP GROWTH ENHANCED INDEX |
| HAND BENEFITS & TRUST COMPANY BLACKROCK LIFEPATH INDEX RETIREMENT 2030 |
| HAND BENEFITS & TRUST COMPANY CAPITAL WORLD GROWTH & INCOME |
| HAND BENEFITS & TRUST COMPANY BLACKROCK LIFEPATH INDEX RETIREMENT 2040 |
| HAND BENEFITS & TRUST COMPANY BLACKROCK LIFEPATH INDEX RETIREMENT 2045 |
| HAND BENEFITS & TRUST COMPANY VANGUARD MID-CAP INDEX FUND ADMIRAL CLASS |
| HAND BENEFITS & TRUST COMPANY EUROPACIFIC GROWTH FUND |
| HAND BENEFITS & TRUST COMPANY DODGE & COX INCOME FUND |
| HAND BENEFITS & TRUST COMPANY FEDERATED TOTAL RETURN BOND |
| HAND BENEFITS & TRUST COMPANY AMERICAN MUTUAL FUND |
| HAND BENEFITS & TRUST COMPANY VANGUARD SMALL-CAP INDEX FUND ADMIRAL CLASS |
| HAND BENEFITS & TRUST COMPANY BLACKROCK HIGH YIELD |
| HAND BENEFITS & TRUST COMPANY INCOME FUND OF AMERICA |
| TD AMERITRADE INDIVIDUAL DIRECTED ACCOUNTS |
| HAND BENEFITS & TRUST COMPANY COLUMBIA SHORT TERM BOND |
| HAND BENEFITS & TRUST COMPANY TIAA LARGE CAP GROWTH INDEX |
| HAND BENEFITS & TRUST COMPANY JP MORGAN US VALUE |
| HAND BENEFITS & TRUST COMPANY TIAA LARGE CAP VALUE INDEX |
| HAND BENEFITS & TRUST COMPANY BLACKROCK LIFEPATH INDEX RETIREMENT 2050 |
| HAND BENEFITS & TRUST COMPANY BLACKROCK LIFEPATH INDEX RETIREMENT 2025 |
| HAND BENEFITS & TRUST COMPANY GOLDMAN SACHS SMALL CAP VALUE INSIGHTS FUND |
| HAND BENEFITS & TRUST COMPANY LORD ABBETT HIGH YIELD |
| HAND BENEFITS & TRUST COMPANY BLACKROCK LIFEPATH INDEX RETIREMENT 2035 |
| HAND BENEFITS & TRUST COMPANY MFS GLOBAL OPPORTUNISTIC BOND |
| HAND BENEFITS & TRUST COMPANY BLACKROCK LIFEPATH INDEX RETIREMENT 2060 |
| HAND BENEFITS & TRUST COMPANY AMERICAN CENTURY EMERGING MARKETS |
| HAND BENEFITS & TRUST COMPANY T. ROWE PRICE US TREASURY INT |
| HAND BENEFITS & TRUST COMPANY SCHWAB INTERNATIONAL INDEX |
Investment model portfolios
We provide two types of investment model portfolios for PAY AND SAVE INC 401K 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 PAY AND SAVE INC 401K PLAN