Investment options of WESTECH SYSTEMS, LLC RETIREMENT PLAN
Total Available Funds: 37
| Investment Description |
|---|
| JH Multimanager Growth LS Registered Investment Company |
| JH Multimanager Aggressive LS Registered Investment Company |
| JH Multimanager 2045 Lifetime Registered Investment Company |
| JH Multimanager Moderate LS Registered Investment Company |
| JH Multimanager 2055 Lifetime Registered Investment Company |
| JH Multimanager 2010 Lifetime Registered Investment Company |
| JH Multimanager 2060 Lifetime Registered Investment Company |
| JH Multimanager 2050 Lifetime Registered Investment Company |
| JH Multimanager 2025 Lifetime Registered Investment Company |
| JH Multimanager 2035 Lifetime Registered Investment Company |
| JH Multimanager Balanced LS Registered Investment Company |
| JH Multimanager 2040 Lifetime Registered Investment Company |
| JH Multimanager 2065 Lifetime Registered Investment Company |
| Science & Technology Fund Registered Investment Company |
| Loomis Sayles Gbl Allocation Registered Investment Company |
| JH Multimanager 2030 Lifetime Registered Investment Company |
| Blue Chip Growth Fund Registered Investment Company |
| JH Multimanager 2020 Lifetime Registered Investment Company |
| Templeton Foreign Smaller Co Registered Investment Company |
| Invesco Developing Markets Registered Investment Company |
| Washington Mutual Investors Registered Investment Company |
| High Yield Fund Registered Investment Company |
| JH Multimanager Conserv LS Registered Investment Company |
| Vanguard Explorer Fund Registered Investment Company |
| John Hancock Mid Cap Growth Registered Investment Company |
| Mid Cap Index Fund Registered Investment Company |
| American Funds New Perspective Registered Investment Company |
| T. Rowe Price Health Sciences Fund Registered Investment Company |
| 500 Index Fund Registered Investment Company |
| Vanguard Value Index Fund Registered Investment Company |
| DFA International Value Registered Investment Company |
| American Funds SMALLCAP World Registered Investment Company |
| Fidelity Advisor Energy Fund Registered Investment Company |
| John Hancock Disciplined Value Registered Investment Company |
| T. Rowe Price New Era Fund Registered Investment Company |
| maturing through December 2029 – |
| John Hancock Investments |
Investment model portfolios
We provide two types of investment model portfolios for WESTECH SYSTEMS, LLC RETIREMENT 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 WESTECH SYSTEMS, LLC RETIREMENT PLAN