Investment options of VOCON 401(K) RETIREMENT SAVINGS PLAN
Total Available Funds: 25
| Investment Description |
|---|
| AMERICAN FUNDS CAPITAL WORLD GROWTH AND INCOME FUND |
| DWS RREEF REAL ESTATE SECURITIES FUND |
| FIDELITY ADVISOR INTERNATIONAL CAPITAL APP Z FUND |
| FIDELITY ADVISOR TOTAL BOND Z FUND |
| FIDELITY INFLATION PROTECTED BOND INDEX FUND |
| FIDELITY MID CAP INDEX FUND |
| FIDELITY SELECT UTILITIES GROWTH FUND |
| FIDELITY SMALL CAP INDEX FUND |
| FLEXPATH INDEX AGGRESSIVE 2055 FUND CL R1 |
| FLEXPATH INDEX CONSERVATIVE 2035 FUND CL R1 |
| FLEXPATH INDEX CONSERVATIVE 2055 FUND CL R1 |
| FLEXPATH INDEX MODERATE 2055 FUND CL R1 |
| JANUS HENDERSON GLOBAL TECH INNOVATION FUND |
| JANUS HENDERSON SMALL CAP VALUE FUND N |
| PIONEER BALANCED ESG FUND CLASS K |
| T. ROWE PRICE ALL-CAP OPPORTUNITIES FUND |
| T. ROWE PRICE HEALTH SCIENCES FUND |
| VANGUARD 500 INDEX ADMIRAL FUND |
| VANGUARD ADMIRAL TREASURY MONEY MARKET INV FUND |
| VANGUARD EQUITY-INCOME ADMIRAL FUND |
| VANGUARD INTERIM-TERM TREASURY ADMIRAL FUND |
| VANGUARD INTERNATIONAL VALUE INC FUND |
| VANGUARD SMALL CAP GROWTH INDEX ADMIRAL FUND |
| VANGUARD TOTAL INTERNATIONAL BOND INDEX FUND |
| MORLEY STABLE VALUE FUND CLASS 25 |
Investment model portfolios
We provide two types of investment model portfolios for VOCON 401(K) RETIREMENT SAVINGS 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 VOCON 401(K) RETIREMENT SAVINGS PLAN