Investment options of VALLEY CHRISTIAN SCHOOL SYSTEM 403(B) PLAN
Total Available Funds: 12
| Investment Description |
|---|
| Vanguard 500 Index Fund Admiral Shares 7 99.58 shares |
| Vanguard Emerging Markets Stock Index Fund 7 68.72 shares |
| Vanguard Growth Index Fund Admiral Shares 9 25.93 shares |
| Vanguard INSTL Target Ret 2020 Fund 8 ,121.69 shares |
| Vanguard INSTL Target Ret 2030 Fund 1 6,480.68 shares |
| Vanguard INSTL Target Ret 2040 Fund 2 4,085.65 shares |
| Vanguard INSTL Target Ret 2050 Fund 1 1,773.95 shares |
| Vanguard INSTL Target Ret 2060 Fund 2 ,522.22 shares |
| Vanguard Mid-Cap Index Fund Admiral 2 49.91 shares |
| Vanguard Small-Cap Index Fund Admiral 2 88.02 shares |
| Vanguard Value Index Fund Admiral 1 ,458.89 shares |
| Notes Receivable from Participants Interest rate of 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for VALLEY CHRISTIAN SCHOOL SYSTEM 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 VALLEY CHRISTIAN SCHOOL SYSTEM 403(B) PLAN