Investment options of VISIONBANK 401(K) PLAN
Total Available Funds: 53
| Investment Option List |
|---|
| American Funds Cap World Growth & Income R6 (CDWAX) |
| American Funds Europacific Growth R6 (FEPUX) |
| American Funds Fundamental Investors R6 (RFNFX) |
| American Funds Growth Fund of America R6 (FAFGX) |
| American Funds Washington Mutual Investors R6 (FWMMX) |
| American Funds SMALLCAP World R6 (FSFWX) |
| Franklin Templeton Franklin Small Cap Value R6 (FVADX) |
| Invesco Small Cap Growth R6 (GTSVX) |
| JPMorgan Core Bond R6 (JCBUX) |
| T.Rowe Price MassMutual Select Blue Chip Growth I (TRBCX) |
| Vanguard Mid Cap Index Admiral (VIMSX) |
| Vanguard Small Cap Index Admiral (VISVX) |
| BlackRock iShares S&P 500 Index K (BSPPX) |
| MassMutual MassMutual Inflation Protection & Income R3 (MIPSX) |
| MassMutual MassMutual Select Mid Cap Growth I (MEFYX) |
| MFS Investment Management MFS Mid Cap Value R6 (MCVIX) |
| Great Grey Trust American Funds 2020 |
| Great Grey Trust American Funds 2025 |
| Great Grey Trust American Funds 2035 |
| Great Grey Trust American Funds 2045 |
| Great Grey Trust American Funds 2050 |
| Great Grey Trust American Funds 2055 |
| Great Grey Trust American Funds 2060 (CCKTX) |
| 1S7106A 17,285.97 |
| 1S7109A 73,049.46 |
| 1S7112A 1,363,320.99 |
| 1S7114A 475,849.40 |
| 1S7125A 33,356.44 |
| 1S7142A 832,564.38 |
| 1S7147A 2,689,917.92 |
| 1RWIGX 138,357.99 |
| 1RERGX 41,429.87 |
| 1RLLGX 82,337.05 |
| 1VTIAX 291,960.83 |
| 1DFREX 123,180.46 |
| 1FRCSX 66,159.74 |
| 1GTSFX 20,836.35 |
| 1VSMAX 339,237.18 |
| 1MEFZX 115,238.21 |
| 1MVCKX 561,129.23 |
| 1VIMAX 391,619.05 |
| 1RMFGX 189,968.00 |
| 1RFNGX 167,904.70 |
| 1RGAGX 297,242.90 |
| 1RWMGX 51,711.85 |
| 1WFSPX 612,772.14 |
| 1MBCZX 404,879.94 |
| 1ANAZX 65,862.33 |
| 1FBKWX 278,922.25 |
| 1JCBUX 93,095.42 |
| 1MIPZX 94,601.12 |
| 1MHPJA1 2.800 216,669.81 |
| 1GWAQ25 1.950 186,009.14 |
Investment model portfolios
We provide two types of investment model portfolios for VISIONBANK 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 VISIONBANK 401(K) PLAN