Investment options of VECTOR RESOURCES, INC. 401(K) PLAN
Total Available Funds: 66
| Investment Description |
|---|
| MassMutual 1MGDTB1 – Guaranteed Interest Account |
| MassMutual 1MIPZX – MassMutual Infl-Prot and Inc |
| BlackRock 1BMGKX – BlackRock Mid Cap Growth |
| MassMutual IMMFHX – MM Sel T. Rowe Price Ret 2015 |
| MassMutual IMMTWX – MM Sel T. Rowe Price Ret 2020 |
| MassMutual IMMTFX – MM Sel T. Rowe Price Ret 2025 |
| MassMutual 1MMTRX – MM Sel T. Rowe Price Ret 2030 |
| MassMutual 1MMTJX – MM Sel T. Rowe Price Ret 2035 |
| MassMutual 1MMFOX – MM Sel T. Rowe Price Ret 2040 |
| MassMutual 1MMFTX – MM Sel T. Rowe Price Ret 2045 |
| MassMutual 1MMDDX – MM Sel T. Rowe Price Ret 2050 |
| MassMutual 1MMDJX – MM Sel T. Rowe Price Ret 2055 |
| MassMutual 1MMSKX – MM Sel T. Rowe Price Ret 2060 |
| MassMutual 1MMBVX – MM Sel T. Rowe Price Retirement Bal |
| AB Funds 1ANAYX – AB Global Bond Fund |
| American Funds 1RLBGX – American Funds American Balanced R6 |
| Capital Group 1S6036R – Capital Group EuroPacific Growth Fund SA |
| Fidelity Investments 1FXAIX – Fidelity 500 Index Fund |
| Fidelity Investments 1FCNTX – Fidelity Contrafund |
| Fidelity Investments 1FSPSX – Fidelity International Index Fund |
| Fidelity Investments 1FSMDX – Fidelity Mid Cap Index Fund |
| Fidelity Investments 1FSSNX – Fidelity Small Cap Index Fund |
| Fidelity Investments 1FXNAX – Fidelity U.S. Bond Index Fund |
| Franklin/Templeton 1FUFRX – Franklin Utilities R6 |
| Invesco 1OGLIX – Invesco Global R6 |
| JP Morgan 1JUSRX – JP Morgan US Equity R5 |
| JP Morgan 1OGGYX – JP Morgan Government Bond Fund |
| JP Morgan 1S6114R – Large Cap Growth / JP Morgan INVT MGMT |
| T.Rowe Price 1PRJIX – T. Rowe Price New Horizons Fund |
| Victory 1VSORX – Victory Sycamore Sm Co Oppty Fund |
| Victory 1VEVRX – Victory Sycamore Established Value R6 |
| See accompanying notes and independent auditor's report. |
| 1MMFOX 323,607.33 |
| 1MMDDX 434,139.41 |
| 1MMTWX 258.19 |
| 1MMTRX 399,799.28 |
| 1MMSKX 512,380.54 |
| 1MMTFX 642,302.70 |
| 1MMFTX 1,973,537.27 |
| 1MMTJX 958,399.48 |
| 1MMBVX 200,066.06 |
| 1MMDJX 893,133.75 |
| 1MMFHX 222,217.80 |
| 1FSPSX 369,582.11 |
| 1OGLIX 1,399,867.88 |
| 1S6036R 1,429,517.17 |
| 1FUFRX 642,303.18 |
| 1IARFX 247,159.24 |
| 1BMGKX 307,185.91 |
| 1FSSNX 1,107,159.90 |
| 1PRJIX 655,526.83 |
| 1VSORX 429,498.56 |
| 1FSMDX 410,293.22 |
| 1VEVRX 813,200.72 |
| 1FCNTX 3,332,209.32 |
| 1FXAIX 3,853,181.91 |
| 1JUSRX 1,331,812.43 |
| 1S6114R 955,872.11 |
| 1RLBGX 602,313.78 |
| 1ANAYX 78,013.01 |
| 1FXNAX 409,188.47 |
| 1OGGYX 172,484.32 |
| 1MIPZX 214,511.13 |
| 1MSPZX 559,319.10 |
| 1MGDTB1 2.250 5,805,011.03 |
| FORFEITURES 44,395.81 |
Investment model portfolios
We provide two types of investment model portfolios for VECTOR RESOURCES, 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 VECTOR RESOURCES, INC. 401(K) PLAN