Investment options of VSC SYNAPSE LLC SALARY SAVING PLAN
Total Available Funds: 34
| Investment Description |
|---|
| Blackrock High Yield Bond # |
| Dimensional Fund Advisors US Targeted Value # |
| Dodge & Cox Stock Fund # |
| Fidelity Investments Emerging Markets Index # |
| Fidelity Investments Mid Cap Index Fund # |
| Fidelity Investments International Index Fund # |
| Fidelity Investments Small Cap Index Inst Prem # |
| Fidelity Investments 500 Index Institutional Prem # |
| Fidelity Investments US Bond Index # |
| Howard Capital Management Conservative # |
| Howard Capital Management Conservative Growth # |
| Howard Capital Management Moderate Growth # |
| Howard Capital Management Growth # |
| Howard Capital Management Aggressive Growth # |
| MFS International International Equity Fund # |
| Loomis Sayles & Company Core Plus Bond # |
| American Funds American Balanced R6 # |
| American Funds World R6 # |
| T. Rowe Price Mid-Cap Growth I # |
| T. Rowe Price Institutional Large Cap Growth # |
| Vanguard Group Balanced Index – ADM # |
| Victory Capital Sycamore Established Value R6 # |
| Vanguard Group Explorer ADM # |
| Vanguard Group Target Retirement 2055 # |
| Vanguard Group Target Retirement 2050 # |
| Vanguard Group Target Retirement 2040 # |
| Vanguard Group Target Retirement 2065 Fund Inv # |
| Vanguard Group Target Retirement 2070 Inv # |
| Vanguard Group Target Retirement 2030 # |
| Vanguard Group Target Retirement 2045 # |
| Vanguard Group Target Retirement 2035 # |
| Vanguard Group Target Retirement 2060 Inv # |
| Vanguard Group Target Retirement 2025 # |
| Fidelity Investments Fidelity Self Directed # |
Investment model portfolios
We provide two types of investment model portfolios for VSC SYNAPSE LLC SALARY SAVING 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 VSC SYNAPSE LLC SALARY SAVING PLAN