Investment options of VALTIR 401(K) PLAN
Total Available Funds: 42
| Investment Description |
|---|
| AmCen Small Cap Growth Fund R6 Registered Investment Company |
| American Funds EuroPacific R6 Registered Investment Company |
| DFA US Targeted Vl Port Ins Registered Investment Company |
| JPMorgan US Val Fd R6 Registered Investment Company |
| MFS Mid Cap Value Fund R6 Registered Investment Company |
| Vangrd Trgt Retire 2020 Fd Registered Investment Company |
| Vangrd Trgt Retire 2025 Fd Registered Investment Company |
| Vangrd Trgt Retire 2030 Fd Registered Investment Company |
| Vangrd Trgt Retire 2035 Fd Registered Investment Company |
| Vangrd Trgt Retire 2040 Fd Registered Investment Company |
| Vangrd Trgt Retire 2045 Fd Registered Investment Company |
| Vangrd Trgt Retire 2050 Fd Registered Investment Company |
| Vangrd Trgt Retire 2055 Fd Registered Investment Company |
| Vangrd Trgt Retire 2060 Fd Registered Investment Company |
| Vangrd Trgt Retire 2065 Fd Registered Investment Company |
| Vangrd Trgt Retire 2070 Fd Registered Investment Company |
| Vangrd Trgt Retire Inc Fd Registered Investment Company |
| Voya Gv Mny Mkt F A (Hld Acct) Registered Investment Company |
| American Century Investments American Century Small Cap Growth Fund – R6 N/A |
| Capital Group American Funds EuroPacific Growth Fund – R-6 N/A |
| Dimensional Fund Advisors DFA U.S. Targeted Value Portfolio – Institutional N/A |
| J.P. Morgan Asset Management JPMorgan U.S. Value Fund – R6 N/A |
| Delaware Funds by Macquarie Macquarie Small Cap Value Fund – R6 N/A |
| Vanguard Target Retirement 2020 Fund N/A |
| Vanguard Target Retirement 2025 Fund N/A |
| Vanguard Target Retirement 2030 Fund N/A |
| Vanguard Target Retirement 2035 Fund N/A |
| Vanguard Target Retirement 2040 Fund N/A |
| Vanguard Target Retirement 2045 Fund N/A |
| Vanguard Target Retirement 2050 Fund N/A |
| Vanguard Target Retirement 2055 Fund N/A |
| Vanguard Target Retirement 2060 Fund N/A |
| Vanguard Target Retirement 2065 Fund N/A |
| Vanguard Target Retirement 2070 Fund N/A |
| Vanguard Target Retirement Income Fund N/A |
| Fidelity Investments Fidelity Grw Comp Comm Pool 1 N/A |
| Northern Trust Collective NT Coll ACWI xUS I M I DC NL 3 N/A |
| Northern Trust Collective NT Coll Aggr Bond Ind Fd NL 3 N/A |
| Northern Trust Collective NT Coll Extd Eq Mkt Fd DC NL 3 N/A |
| Northern Trust Collective NT Coll S&P 500 Id F DC NL 3 N/A |
| Putnam Investments Putnam Stable Vl Fnd (15bps) N/A |
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Investment model portfolios
We provide two types of investment model portfolios for VALTIR 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 VALTIR 401(K) PLAN