Investment options of VSI 401(K) PLAN & TRUST
Total Available Funds: 28
| Investment Description |
|---|
| Fidelity Advisor Freedom 2040 A Registered Investment Company |
| Fidelity Advisor Freedom 2035 A Registered Investment Company |
| Fidelity Advisor Freedom 2050 A Registered Investment Company |
| Fidelity Advisor Freedom 2045 A Registered Investment Company |
| Fidelity Advisor Freedom 2025 A Registered Investment Company |
| Fidelity Advisor Freedom 2030 A Registered Investment Company |
| Fidelity Advisor Freedom 2060 A Registered Investment Company |
| Fidelity Advisor Freedom 2055 A Registered Investment Company |
| Fidelity Advisor Freedom 2020 A Registered Investment Company |
| IS S&P 500 Index A Registered Investment Company |
| Fidelity Advisor Freedom 2065 A Registered Investment Company |
| Harbor Capital Appreciation Fund INV Registered Investment Company |
| IS Russell Mid-Cap Index Fund A Registered Investment Company |
| MFS MA Investors Trust R3 Registered Investment Company |
| IS Russell 2000 Small-Cap A Registered Investment Company |
| American Century Small Cap A Registered Investment Company |
| MFS Mid Cap Growth R3 Registered Investment Company |
| MFS Mid Cap Value R3 Registered Investment Company |
| Fidelity Advisor Freedom 2015 A Registered Investment Company |
| BNY Mellon Bond Market Index Fund IS Registered Investment Company |
| AF EuroPacific Growth Fund R4 Registered Investment Company |
| IS MSCI EAFE International A Registered Investment Company |
| AB Small Cap Growth A Registered Investment Company |
| Fidelity Advisor Freedom Inc A Registered Investment Company |
| IS Short-term TIPS Bond Index Fund Registered Investment Company |
| Columbia Emerging Markets A Registered Investment Company |
| Fidelity Advisor Freedom 2070 A Registered Investment Company |
| maturing through January 2030 -0- |
Investment model portfolios
We provide two types of investment model portfolios for VSI 401(K) PLAN & TRUST 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 VSI 401(K) PLAN & TRUST