Investment options of VERACITY ENGINEERING 401(K) PLAN
Total Available Funds: 46
| Investment Description |
|---|
| DWS Real Assets R6 |
| Fidelity 500 Index |
| Fidelity Emerging Markets Index |
| Fidelity International Index |
| Fidelity Mid Cap Index |
| Fidelity Small Cap Index |
| Blackrock Smartretirement 2030 R6 |
| Blackrock Smartretirement 2035 R6 |
| Blackrock Smartretirement 2040 R6 |
| Blackrock Smartretirement 2045 R6 |
| Blackrock Smartretirement 2050 R6 |
| Blackrock Smartretirement 2055 R6 |
| Blackrock Smartretirement 2060 R6 |
| Blackrock LifePath Index Retirement Fund |
| T. Rowe Price All-Cap Opportunities Fund |
| Vanguard Explorer Admiral |
| Vanguard Small Cap Value Index Admiral |
| Vanguard High-Yield Corporate ADM |
| Vanguard Short Term Treasury Admiral |
| American Beacon Small Cap Value R6 |
| MFS Value R6 |
| MFS International Growth R6 |
| maturing through June 2036 |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| BLACKROCK LIFEPATH 2040 FUND K |
| FID MID CAP INDEX |
| BLACKROCK LIFEPATH 2060 K |
| VANGUARD SHRT TRM TREASURY ADM |
| BLACKROCK LIFEPATH 2030 FUND K |
| BLACKROCK LIFEPATH 2055 FUND K |
| TROWE PRICE ALLCAP OPPS I |
| VANGUARD SM CAP VAL INDEX ADM |
| FID 500 IND |
| FID INTERNATIONAL INDEX |
| FID SMALL CAP INDEX |
| BLACKROCK LIFEPATH 2035 K |
| AMERICAN BEACON SM CP VL R6 |
| BLACKROCK LIFEPATH 2050 FUND K |
| VANG HI YLD CORP ADM |
| BLACKROCK LIFEPATH 2045 FUND K |
| FID EMERGING MARKETS INDEX |
| VANGUARD EXPLORER ADMIN |
| VANGUARD TOT BND MKT IND- ADM |
| BLACKROCK LIFEPATH RET FUND K |
| MET GG SV 25554 – J |
Investment model portfolios
We provide two types of investment model portfolios for VERACITY ENGINEERING 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 VERACITY ENGINEERING 401(K) PLAN