Investment options of UMATILLA-MORROW HEAD START, INC. 403(B) PLAN
Total Available Funds: 43
| Investment Description |
|---|
| American Century Inv American Century Mid Cap Value R6 |
| American Funds 2010 Target Date Ret R6 |
| American Funds 2015 Target Date Ret R6 |
| American Funds 2020 Target Date Ret R6 |
| American Funds 2025 Target Date Ret R6 |
| American Funds 2030 Target Date Ret R6 |
| American Funds 2035 Target Date Ret R6 |
| American Funds 2040 Target Date Ret R6 |
| American Funds 2045 Target Date Ret R6 |
| American Funds 2050 Target Date Ret R6 |
| American Funds 2055 Target Date Ret R6 |
| American Funds 2060 Target Date Ret R6 |
| American Funds 2065 Target Date Ret R6 |
| American Funds Capital Inc Bldr R6 |
| American Funds Capital World G/I R6 |
| American Funds New World R6 |
| Clearbridge ClearBridge Large Cap Growth IS |
| DFA US Small Cap Value I |
| Empower EI Fixed Account – Series Class II |
| Empower Empower S&P Small Cap 600 Index Inst |
| Fidelity Advisor International Capital Apprec Z |
| Invesco Diversified Dividend R6 |
| BlackRock iShares Russell Mid-Cap Index K |
| Janus Henderson Balanced N |
| MFS Utilities R6 |
| PIMCO High Yield Instl |
| PIMCO Income Instl |
| State Street Equity 500 Index K |
| American Funds Washington Mutual Investors |
| American Funds The Investment Company of America |
| American Funds The Growth Fund of America |
| American Funds The Bond Fund of America |
| American Funds Capital Income Builder |
| American Funds EuroPacific Growth Fund |
| American Funds Capital World Growth and Income |
| Kansas City Life Growthtrack |
| Kansas City Life Growthtrack2 |
| Kansas City Life Century II |
| Kansas City Life Flextrack Qualified |
| Kansas City Life Retirement Contribution Plan |
| Western United Life Flex 2000 |
| Western United Life Flex2003 |
| Western United Life Harbor Flex |
Investment model portfolios
We provide two types of investment model portfolios for UMATILLA-MORROW HEAD START, INC. 403(B) 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 UMATILLA-MORROW HEAD START, INC. 403(B) PLAN