Investment options of SYSTEMS TECHNOLOGY GROUP, INC. 401(K) PLAN
Total Available Funds: 59
| Investment Description |
|---|
| Vanguard Value Index Fund 12,258 n/a |
| Vanguard International Growth Fund 2,422 n/a |
| Vanguard 500 Index Fund 4,102 n/a |
| Vanguard Dividend Growth Fund 4,967 n/a |
| Vanguard Information Tech Index 4,279 n/a |
| Franklin Utilities Fund 2,493 n/a |
| Vanguard Mid-Cap Value Index 3,821 n/a |
| DFA US Large Cap Value Portfolio 1,846 n/a |
| Vanguard Equity Income Fund 2,217 n/a |
| Vanguard Extended Market Index 340 n/a |
| JP Morgan U.S. Research Enhanced Equity Fund 4,829 n/a |
| Vanguard Intermediate Term Bond Index Fund 18,377 n/a |
| Vanguard Target Retirement Income Fund 2,455 n/a |
| Vanguard Growth & Income Fund 5,940 n/a |
| Vanguard Windsor Fund 165 n/a |
| Vanguard Growth Index Fund 3,237 n/a |
| Vanguard Target Retirement 2020 Fund 3,553 n/a |
| Vanguard Target Retirement 2025 Fund 11,662 n/a |
| Vanguard Target Retirement 2030 Fund 14,565 n/a |
| Vanguard Target Retirement 2035 Fund 8,433 n/a |
| Vanguard Target Retirement 2040 Fund 20,012 n/a |
| Vanguard Target Retirement 2045 Fund 19,661 n/a |
| Vanguard Target Retirement 2050 Fund 12,191 n/a |
| Vanguard Target Retirement 2055 Fund 4,668 n/a |
| Vanguard Target Retirement 2060 Fund 1,682 n/a |
| DFA International Core Equity Portfolio 4,248 n/a |
| Vanguard Small Cap Index Fund 1,490 n/a |
| Vanguard Mid-Cap Growth Fund 4,310 n/a |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VANGUARD VALUE INDEX FUND ADMR |
| VANGUARD INTL GRTH ADM |
| VANGUARD 500 INDEX FUND – ADM |
| VANGUARD DIV GRTH – INV |
| VANGUARD INFO TECH IDX ADMIRAL |
| VAN TARGET RETIRE 2055 |
| FRANKLIN UTILITIES FUND – R6 |
| VANGUARD MID CAP VALUE IND ADM |
| DFA US LARGE CAP VALUE PORT I |
| VANG EQUITY INC ADM |
| VANGUARD EXT MKT IDX – ADMIRAL |
| VAN TARGET RETIRE 2050 |
| JPMORGAN US RSCH ENHANCED EQ R |
| VAN TARGET RETIRE 2035 |
| VAN TARG RETIRE 2060 |
| VANGUARD INTERMEDIATE TERM BON |
| VAN TARGET RETIRE INC |
| VAN TARGET RETIRE 2025 |
| VANGUARD GROWTH & INCOME ADMIR |
| VANGUARD WINDSOR FUND ADMIRAL |
| VAN TARGET RETIRE 2040 |
| VAN TARGET RETIRE 2020 |
| VANGUARD FEDERAL MM INV |
| VANGUARD GROWTH INDEX FUND ADM |
| VAN TARGET RETIRE 2045 |
| VAN TARGET RETIRE 2030 |
| DFA INTL CORE EQUITY 2 INST |
| VANGUARD SMALL CAP INDEX ADMRL |
| VAN MID CAP GROWTH – INV |
Investment model portfolios
We provide two types of investment model portfolios for SYSTEMS TECHNOLOGY GROUP, INC. 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 SYSTEMS TECHNOLOGY GROUP, INC. 401(K) PLAN