Investment options of VISPERO 401(K) PLAN
Total Available Funds: 45
| Investment Description |
|---|
| ISHARES S&P 500 INDEX K |
| FIDELITY ADVISOR TECHNOLOGY Z |
| AMERICAN CENTURY ULTRA R6 |
| FIDELITY ADVISOR CONSUMER DISCRET Z |
| ISHARES RUSSELL MID-CAP INDEX K |
| FIDELITY ADVISOR INDUSTRIALS Z |
| ISHARES MSCI EAFE INTERNATIONAL INDEX K |
| ISHARES RUSSELL 2000 SMALL-CAP INDEX K |
| ISHARES U.S. AGGREGATE BOND INDEX K |
| BLACKROCK 60/40 TARGET ALLOCATION K |
| JPMORGAN EQUITY INCOME R6 |
| JANUS HENDERSON BALANCED N |
| PIMCO INCOME INSTL |
| FIDELITY ADVISOR ENERGY Z |
| AMERICAN FUNDS NEW PERSPECTIVE R6 |
| JPMORGAN EMERGING MARKETS EQUITY R6 |
| PIMCO REAL RETURN INSTL |
| MFS INTL DIVERSIFICATION R6 |
| BLACKROCK 80/20 TARGET ALLOCATION K |
| BLACKROCK MID-CAP GROWTH EQUITY K |
| FIDELITY ADVISOR HEALTH CARE Z |
| AMERICAN CENTURY SMALL CAP GROWTH R6 |
| AMERICAN FUNDS EUROPACIFIC GR R6 |
| FIDELITY ADVISOR UTILITIES Z |
| FIDELITY ADVISOR FINANCIALS Z |
| DFA US TARGETED VALUE I |
| VICTORY SYCAMORE ESTABLISHED VALUE R6 |
| BLACKROCK 40/60 TARGET ALLOCATION K |
| AMERICAN FUNDS CAPITAL INC BLDR R6 |
| BLACKROCK 20/80 TARGET ALLOCATION K |
| INDEXSELECT MODERATE 2035 FUND CL R6 |
| INDEXSELECT MODERATE RETIRE FUND CL R6 |
| INDEXSELECT MODERATE 2045 FUND CL R6 |
| INDEXSELECT MODERATE 2055 FUND CL R6 |
| INDEXSELECT AGGRESSIVE 2045 FUND CL R6 |
| INDEXSELECT MODERATE 2065 FUND CL R6 |
| INDEXSELECT CONSERVATIVE 2055 FUND CL R6 |
| INDEXSELECT CONSERVATIVE RET FUND CL R6 |
| INDEXSELECT AGGRESSIVE 2055 FUND CL R6 |
| INDEXSELECT CONSERVATIVE 2035 FUND CL R6 |
| INDEXSELECT AGGRESSIVE 2035 FUND CL R6 |
| INDEXSELECT AGGRESSIVE 2065 FUND CL R6 |
| INDEXSELECT AGGRESSIVE RETIRE FUND CL R6 |
| GENERAL ACCOUNT |
| Notes receivable from participants (4.25%-9.50%) |
Investment model portfolios
We provide two types of investment model portfolios for VISPERO 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 VISPERO 401(K) PLAN