Investment options of STRIVR LABS 401K PLAN
Total Available Funds: 49
| Investment Option List |
|---|
| VANGUARD MID-CAP INDEX FUND ADM Registered investment company (VIMSX) |
| VANGUARD SMALL-CAP INDEX FUND ADM Registered investment company (VISVX) |
| VANGUARD 500 INDEX FUND ADM Registered investment company (VFINX) |
| VANGUARD TOTL STCK MKT INDEX FD ADM Registered investment company |
| AMERICAN FUNDS 2010 TARGET DATE R6 Registered investment company (REATX) |
| AMERICAN FUNDS 2025 TARGET DATE R6 Registered investment company (REDTX) |
| AMERICAN FUNDS 2030 TARGET DATE R6 Registered investment company (REETX) |
| AMERICAN FUNDS 2035 TARGET DATE R6 Registered investment company (REFTX) |
| AMERICAN FUNDS 2040 TARGET DATE R6 Registered investment company (REGTX) |
| AMERICAN FUNDS 2045 TARGET DATE R6 Registered investment company (REHTX) |
| AMERICAN FUNDS 2050 TARGET DATE R6 Registered investment company (REITX) |
| AMERICAN FUNDS 2055 TARGET DATE R6 Registered investment company (FAJTX) |
| VANGUARD WINDSOR II FUND ADM Registered investment company (VWNFX) |
| JPMORGAN LGCP GRW FND R6 Registered investment company |
| MFS INTERNATIONAL GROWTH FUND R6 Registered investment company (MQGIX) |
| INVESCO SHORT TERM BOND FD R6 Registered investment company (ISTBX) |
| VOYA FIXED ACCOUNT (4450) Guaranteed Investment Contract |
| FIDELITY EMERGING MARKETS FD K Registered investment company (FZEMX) |
| FEDHERMS MDT MD CP GRW FD R6 Registered investment company |
| FRANKLIN SMALL CAP GROWTH FUND R6 Registered investment company (FKSCX) |
| VANGUARD LONG-TRM INVMT-GRD FD ADM Registered investment company |
| PIMCO INTL BND FND (US DIR-HDG) I Registered investment company |
| VANGRD HIGH-YD CRP FND ADM Registered investment company |
| AMERICAN FUNDS 2060 TARGET DATE R6 Registered investment company (CCKTX) |
| VNGRD TTL WLD STK INDX FD ADM Registered investment company |
| VICTORY CORE PLUS INTERMEDIATE BOND R6 Registered investment company |
| AMERICAN FUNDS 2065 T DATE R6 Registered investment company (FBMTX) |
| American Funds 2010 T Date R6 Registered Investment Company (REATX) |
| American Funds 2025 T Date R6 Registered Investment Company (REDTX) |
| American Funds 2030 T Date R6 Registered Investment Company (REETX) |
| American Funds 2035 T Date R6 Registered Investment Company (REFTX) |
| American Funds 2040 T Date R6 Registered Investment Company (REGTX) |
| American Funds 2045 T Date R6 Registered Investment Company (REHTX) |
| American Funds 2050 T Date R6 Registered Investment Company (REITX) |
| American Funds 2055 T Date R6 Registered Investment Company (FAJTX) |
| American Funds 2060 T Date R6 Registered Investment Company (CCKTX) |
| Franklin Sm Cap Growth Fnd R6 Registered Investment Company |
| MFS International Grw Fund R6 Registered Investment Company (GIEIX) |
| PIMCO Intl Bd Fd (US Dl-Hdg) I Registered Investment Company |
| Vangrd 500 Index Fund Adm Registered Investment Company |
| Vangrd High-Yd Corp Fnd Adm Registered Investment Company |
| Vangrd Lg-Trm Inv-Grd Fd Admn Registered Investment Company |
| Vangrd Mid-Cap Index Fund Adm Registered Investment Company (RHFHX) |
| Vangrd Small-Cap Index Fnd Adm Registered Investment Company |
| Vangrd Tot Int Stk In F Adm Registered Investment Company |
| Vangrd Tot St Mkt Indx Fd Adm Registered Investment Company |
| Vangrd Windsor II Fund Adm Registered Investment Company |
| Victory Core Pl Inter Bnd R6 Registered Investment Company |
| Voya Gv Mny Mkt F A (Hld Acct) Registered Investment Company |
Investment model portfolios
We provide two types of investment model portfolios for STRIVR LABS 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 STRIVR LABS 401K PLAN