Investment options of TRINET SELECT 401(K) PLAN
Total Available Funds: 35
| Investment Option List |
|---|
| AMERFUNDS EUROPACIFIC GR FUND |
| AMERICAN FUNDS NEW PRSPCTVE FD (HVWBX) |
| AMERICAN FUNDS NEW WORLD FUND (HVWBX) |
| BAIRD AGGREGATE BOND FUND (BAGIX) |
| BLACKROCK HIGH YIELD BOND FUND (BHYIX) |
| BLACKROCK ISHARES INTL INDEX FUND (BDAVX) |
| COHEN & STEERS REALTY SHRS FD (CSRIX) |
| DELAWARE SMALL CAP VALUE FUND (DEVIX) |
| JP MORGAN SMALL CAP GROWTH FD (SGRIX) |
| PIMCO LOW DURATION FUND (PLDPX) |
| TEMPLETON GLOBAL BOND FUND (TGBAX) |
| VANGUARD INFL-PROTECTD SECS FD |
| VANGUARD INSTL TARGET RET 2015 (FTOSX) |
| VANGUARD INSTL TARGET RET 2020 (VTWNX) |
| VANGUARD INSTL TARGET RET 2025 (VTTVX) |
| VANGUARD INSTL TARGET RET 2030 (VTHRX) |
| VANGUARD INSTL TARGET RET 2035 (VTTHX) |
| VANGUARD INSTL TARGET RET 2040 (VFORX) |
| VANGUARD INSTL TARGET RET 2045 (VTIVX) |
| VANGUARD INSTL TARGET RET 2050 (VFIFX) |
| VANGUARD INSTL TARGET RET 2055 (VFFVX) |
| VANGUARD INSTL TARGET RET 2060 (VTTSX) |
| VANGUARD INSTL TRGT RET 2065 FD |
| VANGUARD INSTL TARGET RET INC (VTINX) |
| VANGUARD INTERM-TERM TREAS FD (VIBSX) |
| VANGUARD INTRM-TRM BND INDEX FD |
| VANGUARD FEDERAL MONEY MARKET FD (VMFXX) |
| VANGUARD WELLINGTON FUND (VWENX) |
| CASH OUT FUND |
| MASSMUTUAL PREMIER U. S. GOVT MONEY MARKET FUND (MKSXX) |
| MASSMUTUAL RETIREMENT SERVICES STABLE VALUE FUND (MMNLX) |
| SCHWAB PCRA SELF-DIRECTED BROKERAGE |
| LEGAL & GENERAL S& P 400 DC CIT COLLECTIVE INVESTMENT TRUST |
| LEGAL & GENERAL S& P 500 DC CIT COLLECTIVE INVESTMENT TRUST (GIDIX) |
| LEGAL & GENERAL S& P 600 DC CIT COLLECTIVE INVESTMENT TRUST |
Investment model portfolios
We provide two types of investment model portfolios for TRINET SELECT 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 TRINET SELECT 401(K) PLAN