Investment options of VERSATECH, INC. 401(K) PLAN
Total Available Funds: 40
| Investment Description |
|---|
| American Funds New Perspective R6 |
| American Funds Trgt Date Ret 2020 R6 |
| American Funds Trgt Date Ret 2025 R6 |
| American Funds Trgt Date Ret 2030 R6 |
| American Funds Trgt Date Ret 2035 R6 |
| American Funds Trgt Date Ret 2040 R6 |
| American Funds Trgt Date Ret 2045 R6 |
| American Funds Trgt Date Ret 2050 R6 |
| American Funds Trgt Date Ret 2055 R6 |
| American Funds Trgt Date Ret 2060 R6 |
| American Funds Trgt Date Ret 2065 R6 |
| Cohen & Steers Cohen & Steers Instl Realty Shares Instl |
| DFA U.S. Small Cap Portfolio I |
| DFA U.S. Targeted Value Portfolio I |
| Fidelity 500 Index Fund |
| Fidelity Multi-Asset Index Fund |
| MFS Mid Cap Growth R6 |
| NYLI NYLI MacKay High Yield Corporate Bond R6 |
| Principal SmallCap Growth I R6 |
| Putnam Small Cap Growth R6 |
| Shelton Shelton Cap Mgmt Nasdaq-100 Index Inv |
| Vanguard Consumer Staples Index Adm |
| Vanguard Developed Mkts Index Adm |
| Vanguard Equity Income Adm |
| Vanguard Health Care Index Adm |
| Vanguard Information Tech Index Adm |
| Vanguard Interm-Term Invst Grade Adm |
| Vanguard Mid Cap Index Adm |
| at rates from 4.25% to 9.50% -0- |
| See report of independent auditors. Page |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| Fidelity |
| Vanguard |
| Principal |
| American Funds |
| NYLI MacKay |
| Cohen & Steers |
| Participant's Loan Account |
| Ascensus Trust Company |
Investment model portfolios
We provide two types of investment model portfolios for VERSATECH, 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 VERSATECH, INC. 401(K) PLAN