Investment options of VARIOSYSTEMS, INC. 401(K) PLAN
Total Available Funds: 29
| Investment Option List |
|---|
| Empower Financial Services, Inc. Allspring Special Mid Cap Value R6 (SMCDX) |
| Empower Financial Services, Inc. American Century Equity Income R6 (AEIMX) |
| Empower Financial Services, Inc. American Funds New Perspective R6 (FFPNX) |
| Empower Financial Services, Inc. American Funds US Government R6 |
| Empower Financial Services, Inc. ClearBridge Appreciation IS (SAPYX) |
| Empower Financial Services, Inc. IndexSelect Aggressive 2035 Fund CL I |
| Empower Financial Services, Inc. IndexSelect Aggressive 2045 Fund CL I |
| Empower Financial Services, Inc. IndexSelect Aggressive 2055 Fund CL I |
| Empower Financial Services, Inc. IndexSelect Aggressive Retire Fund CL I |
| Empower Financial Services, Inc. IndexSelect Conservative 2035 Fund CL I |
| Empower Financial Services, Inc. IndexSelect Conservative 2045 Fund CL I |
| Empower Financial Services, Inc. IndexSelect Conservative 2055 Fund CL I |
| Empower Financial Services, Inc. IndexSelect Conservative Ret Fund CL I |
| Empower Financial Services, Inc. IndexSelect Moderate 2035 Fund CL I |
| Empower Financial Services, Inc. IndexSelect Moderate 2045 Fund CL I |
| Empower Financial Services, Inc. IndexSelect Moderate 2055 Fund CL I |
| Empower Financial Services, Inc. IndexSelect Moderate Retire Fund CL I |
| Empower Financial Services, Inc. Invesco Core Bond R6 (TBRIX) |
| Empower Financial Services, Inc. Invesco Discovery Mid Cap Growth R6 (DMCFX) |
| Empower Financial Services, Inc. MFS International Growth Fund Class R6 (MQGIX) |
| Empower Financial Services, Inc. T.Rowe Price Large Cap Growth I (TPLGX) |
| Empower Financial Services, Inc. Vanguard 500 Index Admiral |
| Empower Financial Services, Inc. Vanguard Growth Index Admiral |
| Empower Financial Services, Inc. Vanguard Mid Cap Index Admiral (VIMSX) |
| Empower Financial Services, Inc. Vanguard Mid-Cap Growth Index Admiral (VMGIX) |
| Empower Financial Services, Inc. Vanguard Mid-Cap Value Index Admiral (VMVIX) |
| Empower Financial Services, Inc. Vanguard Small Cap Index Admiral (VISVX) |
| Empower Financial Services, Inc. Vanguard Value Index Adm |
| See accompanying report of independent auditors and related notes to financial statements |
Investment model portfolios
We provide two types of investment model portfolios for VARIOSYSTEMS, INC. 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 VARIOSYSTEMS, INC. 401(K) PLAN