Investment options of THE HOEHN RETIREMENT PLAN
Total Available Funds: 19
| Investment Description |
|---|
| MFS MFS GROWTH R6 |
| TRP TRP GLOBAL STOCK I |
| PGIM PGIM J INTL OPP R6 |
| COLUMBIA COL DIVIDEND INC I3 |
| COLUMBIA COL S TECH & INFO I2 |
| AMERICAN FUNDS AF BOND FD AMER R6 |
| BLACKROCK INVESTMENTS BLKRK MD CP GR EQ K |
| WESTERN ASSET WA CORE PLS BOND IS |
| FIDELITY INVESTMENTS INSTITUTIONAL FID GOVT MMKT K6 |
| COHEN & STEERS C& S REAL ESTATE Z |
| AMERICAN FUNDS AF NEW WORLD R6 |
| ISHARES IS MSCI EAFE INTL K |
| FIDELITY INVESTMENTS INSTITUTIONAL FID US BOND IDX |
| FIDELITY INVESTMENTS INSTITUTIONAL FID 500 INDEX |
| FIDELITY INVESTMENTS INSTITUTIONAL FID SM CAP IDX |
| FIDELITY INVESTMENTS INSTITUTIONAL FID MID CAP IDX |
| VIRTUS NFJ VRTS NFJ MC VAL R6 |
| ALLIANCE BERNSTEIN AB SM CAP GRTH I |
| METLIFE WT METLIFE STAB VAL |
Investment model portfolios
We provide two types of investment model portfolios for THE HOEHN RETIREMENT 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 THE HOEHN RETIREMENT PLAN