Investment options of VIVACITY TECH PBC 401(K) PLAN
Total Available Funds: 22
| Investment Description |
|---|
| iShares Emerging Markets USD Bond ETF Exchange Traded Fund |
| Goldman Sachs TreasuryAccess 01 Year ETF Exchange Traded Fund |
| Goldman Sachs Access U.S. Aggregate Bond ETF Exchange Traded Fund |
| Goldman Sachs ActiveBeta Emerging Markets Equity Exchange Traded Fund |
| Goldman Sachs Access Emerging Markets USD Bond ETF Exchange Traded Fund |
| Goldman Sachs Access Investment Grade Corporate Bond ETF Exchange Traded Fund |
| Goldman Sachs ActiveBeta Europe Equity ETF Exchange Traded Fund |
| Goldman Sachs ActiveBeta International Equity Exchange Traded Fund |
| Goldman Sachs ActiveBeta Japan Equity ETF Exchange Traded Fund |
| Goldman Sachs ActiveBeta US Large Cap Equity Exchange Traded Fund |
| Goldman Sachs ActiveBeta US Small Cap Equity ETF Exchange Traded Fund |
| JPMorgan Ultra-Short Income Exchange Traded Fund |
| SPDR S&P Kensho New Economies Composite ETF Exchange Traded Fund |
| SPDR Portfolio S&P 500 ETF Exchange Traded Fund |
| SPDR Portfolio S&P 400 Mid Cap Exchange Traded Fund |
| SPDR Portfolio S&P 600 Small Cap ETF Exchange Traded Fund |
| iShares 0-5 Year TIPS Bond ETF Exchange Traded Fund |
| Vanguard Small-Cap Value ETF Exchange Traded Fund |
| Vanguard FTSE Developed Markets Exchange Traded Fund |
| Vanguard LongTerm Government Bond Exchange Traded Fund |
| Vanguard Value ETF Exchange Traded Fund |
| Vanguard FTSE Emerging Markets Exchange Traded Fund |
Investment model portfolios
We provide two types of investment model portfolios for VIVACITY TECH PBC 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 VIVACITY TECH PBC 401(K) PLAN