Investment options of ST. DAVID’S CENTER 403(B) PLAN
Total Available Funds: 21
| Investment Description |
|---|
| Principal Financial Group LifeTime Hybrid Inc. Inst Fund |
| Principal Financial Group LifeTime 2015 Fund |
| Principal Financial Group LifeTime 2020 Fund |
| Principal Financial Group LifeTime 2025 Fund |
| Principal Financial Group LifeTime 2030 Fund |
| Principal Financial Group LifeTime 2035 Fund |
| Principal Financial Group LifeTime 2040 Fund |
| Principal Financial Group LifeTime 2045 Fund |
| Principal Financial Group LifeTime 2050 Fund |
| Principal Financial Group LifeTime 2055 Fund |
| Principal Financial Group LifeTime 2060 Fund |
| Principal Financial Group LifeTime 2065 Fund |
| Fidelity Investments Fidelity |
| John Hancock Advisors, LLC Disc VL R6 Fund |
| MFS Investment Management MFS Growth R3 Fund |
| Columbia Management Advisors Mid Cap Index R5 Fund |
| Columbia Management Advisors Small Cap Index R5 Fund |
| Dimensional Fund Advisors SFA US Targeted Value Fund |
| Fidelity Investments Small Cap Value Sel Fund |
| Capital Research and Management Co. American Funds NewWorld R6 |
| Fidelity Management & Research Advisor Internal Growth I Fund |
Investment model portfolios
We provide two types of investment model portfolios for ST. DAVID’S CENTER 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 ST. DAVID'S CENTER 403(B) PLAN