Investment options of WINEBOW 401(K) PLAN
Total Available Funds: 25
| Investment Description |
|---|
| TIAA-CREF TIAA-CREF Large Cap Growth Index Institutional Fund |
| Vanguard Group Vanguard Value Index Institutional Fund |
| Fidelity Investments Fidelity US Bond Index Fund |
| BlackRock iShares MSCI EAFE International Index K Fund |
| Vanguard Group Vanguard FTSE All-World Ex-US Small-Cap Index I |
| Fidelity Investments Fidelity Mid Cap Index Fund |
| Fidelity Investments Fidelity Advisor Growth Opportunities Z Fund |
| Fidelity Investments Fidelity Small Cap Index Fund |
| Vanguard Group Vanguard Small Cap Value Index Admiral Fund |
| Vanguard Group Vanguard Mid Cap Value Index Admiral Fund |
| Vanguard Group Vanguard Small Cap Growth Index Admiral Fund |
| Vanguard Group Vanguard High Yield Corporate Admiral Fund |
| PIMCO Funds PIMCO Real Return Institutional Fund |
| Vanguard Group Vanguard Mid Cap Growth Index Admiral Fund |
| JP Morgan Funds JP Morgan Equity Income R6 Fund |
| MFS Investment Management MFS Mid-Cap Growth R6 Fund |
| JP Morgan Funds JP Morgan Emerging Markets Equity R6 Fund |
| The American Funds American Funds US Government Securities R6 Fund |
| Allspring Global Investments Allspring Special Mid Cap Value R6 Fund |
| The American Funds American Funds EuroPacific Growth R6 Fund |
| Harbor Capital Advisors Harbor Small Cap Growth Retirement Fund |
| Dimensional Fund Advisors DFA US Small Cap Value I Fund |
| Victory Funds Victory Trivalent International Small Cap R6 Fund |
| Principal Trust Company Principal Fixed Income Guaranteed Option |
| Participants 4.25% to 9.50%; maturing through 2031 |
Investment model portfolios
We provide two types of investment model portfolios for WINEBOW 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 WINEBOW 401(K) PLAN