Investment options of UPSTATE VETERINARY SPECIALTIES 401(K) PLAN
Total Available Funds: 32
| Investment Description |
|---|
| American Funds American Balanced R6 – |
| Vanguard Emerging Markets Stock Index – |
| Fidelity International Index – |
| Vanguard FTSE Developed Markets – |
| Ishares MSCI EAFE Small-Cap ETF – |
| Fidelity 500 Index – |
| T. Rowe Price Value Fund I – |
| Baron Capital Group Asset Instl – |
| Matthews Asia Funds Pacific Tiger Institutional – |
| Baron Capital Group Small Cap Institutional – |
| Vanguard Index TR SML CP G Viper ETF – |
| Vanguard Index FDS SM CP ETF CLMF – |
| Pimco International Bond Fund Institutional – |
| American Funds New Perspective R6 – |
| MFS Global Opportunistic Bond Fund R6 – |
| Akre Capital Management AKRE Focus Institutional – |
| Fidelity Mid Cap Index Instl Prem. – |
| JPMorgan Large Cap Growth R6 – |
| T Rowe Price Global Multi-Sector Bond Fund I – |
| Brandywine GLOBAL BrandywineGLOBAL – High Yield IS – |
| JPMorgan US Equity R6 – |
| MFS Mid Cap Value R6 – |
| Vanguard Small Cap Index Adm – |
| Vanguard Target Retirement 2025 Inv – |
| Vanguard Target Retirement 2030 Inv – |
| Vanguard Target Retirement 2035 Inv – |
| Vanguard Target Retirement 2040 Inv – |
| Vanguard Target Retirement 2045 Inv – |
| Vanguard Target Retirement 2050 Inv – |
| Vanguard Target Retirement 2055 Inv – |
| Vanguard Target Retirement 2060 Inv – |
| Vanguard Target Retirement 2065 Inv – |
Investment model portfolios
We provide two types of investment model portfolios for UPSTATE VETERINARY SPECIALTIES 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 UPSTATE VETERINARY SPECIALTIES 401(K) PLAN