Investment options of SECURITY 1ST TITLE 401(K) PLAN
Total Available Funds: 34
| Investment Description |
|---|
| Voya AB Global Bond Fund Z |
| Voya American Funds AMCAP Fund R6 |
| Voya American Funds Fundamental Inv R6 |
| Voya American Funds New Perspective R6 |
| Voya American Funds Wash Mutual R6 |
| Voya Clear Bridge Small-Cap Growth Fund IS |
| Voya DFA Inflation-Prot Sec Port Ins |
| Voya DFA US Targeted Vl Port Ins |
| Voya MFS Mid Cap Value Fund R6 |
| Voya PGIM High Yield Fund R6 |
| Voya PIMCO Income Fund Ins |
| Voya Vanguard 500 Index Fund Admiral |
| Voya Vanguard Balanced Index Fund Admiral |
| Voya Vanguard Em Markets Stock Index Fund Admiral |
| Voya Vanguard LifeStrategy Cns Growth Fund Inv |
| Voya Vanguard LifeStrategy Growth Fund Inv |
| Voya Vanguard LifeStrategy Inc Fund Inv |
| Voya Vanguard LifeStrategy Md Growth Fund Inv |
| Voya Vanguard Mid-Cap Index Fund Admiral |
| Voya Vanguard Small-Cap Index Fund Admiral |
| Voya Voya Fixed Account |
| Voya Voya Index Solution 2025 Portfolio Class Z |
| Voya Voya Index Solution 2030 Portfolio Class Z |
| Voya Voya Index Solution 2035 Portfolio Class Z |
| Voya Voya Index Solution 2040 Portfolio Class Z |
| Voya Voya Index Solution 2045 Portfolio Class Z |
| Voya Voya Index Solution 2050 Portfolio Class Z |
| Voya Voya Index Solution 2055 Portfolio Class Z |
| Voya Voya Index Solution 2060 Portfolio Class Z |
| Voya Voya Index Solution 2065 Portfolio Class Z |
| Voya Voya Index Solution Income Portfolio Class Z |
| Voya Voya Intermediate Bond Fund R6 |
| Voya Voya Mid Cap Opport Port R6 |
| from 5.25% to 10.50% and maturity dates through 2029. |
Investment model portfolios
We provide two types of investment model portfolios for SECURITY 1ST TITLE 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 SECURITY 1ST TITLE 401(K) PLAN