Investment options of THE LEGAL SERVICES NYC TAX DEFERRED ANNUITY PLAN
Total Available Funds: 27
| Investment Description |
|---|
| PIMCO PIMCO GLOBAL OPP USD HEDGE IST |
| FIDELITY FIDELITY TOTAL BOND K6 |
| AMERICAN BEACON AMERICAN BEACON SMALL CAP VALUE FUND CLASS R5 |
| AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-6 |
| AMERICAN FUNDS AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-6 |
| DFA DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS |
| GOLDMAN SACHS GOLDMAN SACHS EMERGING MARKETS EQUITY INSIGHTS FUND CLASS R6 |
| HARBOR HARBOR CAPITAL APPRECIATION FUND RETIREMENT CLASS |
| INVESCO INVESCO DIVERSIFIED STOCK FUND |
| VANGUARD VANGUARD LIFESTRATEGY CONSERVATIVE GROWTH FUND INVESTOR SHARES |
| VANGUARD VANGUARD LIFESTRATEGY GROWTH FUND INVESTOR SHARES |
| VANGUARD VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES |
| VANGUARD VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES |
| VANGUARD VANGUARD REAL ESTATE INDEX FUND ADMIRAL SHARES |
| TRANSAMERICA FINANCIAL LIFE INS. CO.* BALANCED II VARIABLE SUBACCOUNT |
| TRANSAMERICA FINANCIAL LIFE INS. CO.* CORE BOND VARIABLE SUBACCOUNT |
| TRANSAMERICA FINANCIAL LIFE INS. CO.* LARGE VALUE OPPORTUNITIES VARIABLE SUBACCOUNT |
| TRANSAMERICA FINANCIAL LIFE INS. CO.* SHORT-TERM BOND SUBACCOUNT |
| TRANSAMERICA FINANCIAL LIFE INS. CO.* SMALL CAP GROWTH VARIABLE SUBACCOUNT |
| TRANSAMERICA FINANCIAL LIFE INS. CO.* SMALL CAP VALUE VARIABLE SUBACCOUNT |
| TRANSAMERICA FINANCIAL LIFE INS. CO.* TRANSAMERICA INFLATION-PROTECT SECURITIES VARIABLE SUBACCOUNT |
| TRANSAMERICA FINANCIAL LIFE INS. CO.* TRANSAMERICA PARTNERS CALVERT VARIABLE SUBACCOUNT |
| TRANSAMERICA FINANCIAL LIFE INS. CO.* TRANSAMERICA PARTNERS HIGH YIELD BOND VARIABLE SUBACCOUNT |
| TRANSAMERICA FINANCIAL LIFE INS. CO.* TRANSAMERICA PARTNERS INTERNATIONAL EQUITY VARIABLE SUBACCOUNT |
| TRANSAMERICA FINANCIAL LIFE INS. CO.* TRANSAMERICA PARTNERS LARGE CORE ESG VARIABLE SUBACCOUNT |
| TRANSAMERICA FINANCIAL LIFE INS. CO.* TRANSAMERICA PARTNERS LARGE GROWTH VARIABLE SUBACCOUNT |
| TRANSAMERICA FINANCIAL LIFE INS. CO.* TFLIC INSURANCE COMPANY/GENERAL ACCOUNT |
Investment model portfolios
We provide two types of investment model portfolios for THE LEGAL SERVICES NYC TAX DEFERRED ANNUITY 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 LEGAL SERVICES NYC TAX DEFERRED ANNUITY PLAN