Investment options of WHETSTONE HOLDINGS 401(K) PLAN
Total Available Funds: 33
| Investment Description |
|---|
| BLACKROCK LIFEPATH INDEX 2025 |
| BLACKROCK LIFEPATH INDEX 2055 |
| BLACKROCK LIFEPATH INDEX 2050 |
| BLACKROCK LIFEPATH INDEX 2060 |
| VANGUARD GROWTH INDEX FUND |
| 500 INDEX FUND |
| BLACKROCK LIFEPATH INDEX 2065 |
| BLACKROCK LIFEPATH INDEX 2035 |
| VANGUARD MID-CAP GROWTH ETF |
| VANGUARD VALUE INDEX FUND |
| NEW PERSPECTIVE |
| BLACKROCK LIFEPATH INDEX 2030 |
| BLACKROCK LIFEPATH INDEX 2045 |
| JOHN HANCOCK TOTAL STOCK MARKET INDEX FUND |
| BLACKROCK LIFEPATH INDEX 2040 |
| DIMENSIONAL FUND ADVISORS DFA INTERNATIONAL VALUE |
| VANGUARD SMALL CAP VALUE INDEX |
| VANGUARD SMALL CAP GROW INDEX |
| DIMENSIONAL FUND ADVISORS DFA U. S. SMALL CAP FUND |
| NORTHERN TRUST NORTHERN EM EQUITY INDEX FUND |
| SSGA INTL EQUITY INDEX FUND |
| JOHN HANCOCK SMALL CAP INDEX FUND |
| JOHN HANCOCK JOHN HANCOCK BOND FUND |
| VANGUARD MID-CAP VALUE ETF |
| JOHN HANCOCK STRATEGIC INCOME OPP FUND |
| BLACKROCK LIFEPATH INDEX RET |
| WELLS CAPITAL CORE BOND FUND |
| VANGUARD TOT WLD STK INDEX ETF |
| DIMENSIONAL FUND ADVISORS DFA INFLATION-PROTECTED SEC |
| JOHN HANCOCK TOTAL BOND MARKET FUND |
| JOHN HANCOCK MID CAP INDEX FUND |
| JPMORGAN TRUST JPMORGAN U. S. EQUITY FUND |
| JOHN HANCOCK FUNDAMENTAL LARGE CAP VALUE |
Investment model portfolios
We provide two types of investment model portfolios for WHETSTONE HOLDINGS 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 WHETSTONE HOLDINGS 401(K) PLAN