Investment options of TERWILLIGER PLAZA 401(K) PLAN
Total Available Funds: 23
| Investment Option List |
|---|
| Vanguard Explorer Fund Pooled separate account (VINEX) |
| Vanguard Windsor II Fund " (VWNFX) |
| Vanguard Wellington Fund " (VWENX) |
| Vanguard Extended Market Index Fund " (VEXMX) |
| Vanguard 500 Index Fund " (VFINX) |
| Vanguard Target Retirement 2020 Fund " (VTWNX) |
| Vanguard Target Retirement 2025 Fund " (VTTVX) |
| Vanguard Target Retirement 2030 Fund " (VTHRX) |
| Vanguard Target Retirement 2060 Fund " (VTTSX) |
| Vanguard Target Retirement 2040 Fund " (VFORX) |
| Vanguard Target Retirement 2045 Fund " (VTIVX) |
| Vanguard Target Retirement 2050 Fund " (VFIFX) |
| Vanguard Target Retirement 2055 Fund " (VFFVX) |
| Vanguard Target Retirement 2035 Fund " (VTTHX) |
| JPMorgan Mid Cap Growth Fund " (HLGEX) |
| Voya Intermediate Bond Fund " (IICIX) |
| Allspring Special Mid Cap Value Fund " (SMCDX) |
| Vanguard Target Retirement Income Fund " (VTINX) |
| MFS International Diversification Fund " (MDIJX) |
| Vanguard Value Index Fund " (VTRIX) |
| Vanguard Target Retirement 2065 Fund " (VSXFX) |
| Vanguard Target Retirement 2070 Fund " (VSVNX) |
| Fidelity Large Cap Growth Index Fund " (FSLGX) |
Investment model portfolios
We provide two types of investment model portfolios for TERWILLIGER PLAZA 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 TERWILLIGER PLAZA 401(K) PLAN