Investment options of WALTERS 401(K) PLAN
Total Available Funds: 32
| Investment Description |
|---|
| dates through December 2029 |
| Vanguard LifeStrat Grw Fd Inv |
| American Funds Growth Fnd R6 |
| BlackRock LifePath Ind 2035 Fd K |
| Vanguard Tot Int Stk In F Adm |
| BlackRock LifePath Ind 2045 Fd K |
| BlackRock LifePath Ind 2055 Fd K |
| JPMorgan Equity Income Fund R6 |
| Vanguard SmlCp Indx Fd Admiral |
| Vanguard LifeStrat Md Grw Fd Inv |
| BlackRock LifePath Ind 2040 Fd K |
| American Funds Cap Inc Bld R6 |
| BlackRock LifePath Ind 2030 Fd K |
| Vanguard Mid Cap Index Fund Adm |
| Vanguard 500 Index Fund Adm |
| MFS Intl Intrinsic Val Fnd R6 |
| BlackRock LifePath Ind 2060 Fd K |
| BlackRock LifePath Ind 2050 Fd K |
| Victory Sycmr Est Vl Fd R6 |
| Vanguard Tot Bd Mkt Ind Fd Adm |
| Voya Small Cap Growth Fund R6 |
| BlackRock LifePath Ind 2065 Fd K |
| PIMCO High Yield Fund Ins |
| DFA Emerging Markets Pt Ins |
| BlackRock LifePath Ind Ret Fd K |
| Voya Mid Cap Opport Port R6 |
| Voya Intermediate Bond Fund R6 |
| DFA US Targeted VI Port Ins |
| American Funds Cap Wld G&I R6 |
| Voya Gv Mny Mkt F A (Hld Acct) |
| ClrBrg Apprec Fnd IS |
| DFA Infl-Prot Sec Port Ins |
Investment model portfolios
We provide two types of investment model portfolios for WALTERS 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 WALTERS 401(K) PLAN