Investment options of WTS PARADIGM DEFERRED SAVINGS PLAN
Total Available Funds: 30
| Investment Option List |
|---|
| VANGUARD INTERNATIONAL INDEX FUND (VTRIX) |
| FIDELITY 500 INDEX FUND (FXAIX) |
| VANGUARD SOCIAL INDEX ADMIRAL FUND (VFTNX) |
| DODGE & COX INCOME FUND (DODIX) |
| HARBOR CAPITAL APPRECIATION INSTITUTIONAL FUND (HACAX) |
| PIONEER STRATEGIC INCOME FUND (STIZX) |
| VANGUARD SMALL CAP INDEX FUND (VISVX) |
| VANGUARD WINDSOR II FUND (VWNFX) |
| VANGUARD MID CAP INDEX FUND (VIMSX) |
| VANGUARD STRATEGIC BOND INDEX FUND (VBMFX) |
| VANGUARD INFLATION PROT FUND (VIPSX) |
| AMERICAN EUROPACIFIC GROWTH FUND (FEPUX) |
| DFA INSTITUTIONAL SMALL COMPANY FUND (DISVX) |
| CONESTOGA SMALL CAP FUND (CCASX) |
| WILMINGTON TRUST, N. A. FLEXPATH MOD RET I1 |
| WILMINGTON TRUST, N. A. FLEXPATH MOD 2025 I1 |
| WILMINGTON TRUST, N. A. FLEXPATH MOD 2035 I1 |
| WILMINGTON TRUST, N. A. FLEXPATH MOD 2045 I1 |
| WILMINGTON TRUST, N. A. FLEXPATH MOD 2055 I1 |
| WILMINGTON TRUST, N. A. FLEXPATH CON 2025 I1 |
| WILMINGTON TRUST, N. A. FLEXPATH CON 2045 I1 |
| WILMINGTON TRUST, N. A. FLEXPATH CON 2055 I1 |
| WILMINGTON TRUST, N. A. FLEXPATH RET I1 |
| WILMINGTON TRUST, N. A. FLEXPATH AGR RET I1 |
| WILMINGTON TRUST, N. A. FLEXPATH AGR 2025 I1 |
| WILMINGTON TRUST, N. A. FLEXPATH AGR 2035 I1 |
| WILMINGTON TRUST, N. A. FLEXPATH AGR 2045 I1 |
| WILMINGTON TRUST, N. A. FLEXPATH AGR 2055 I1 |
| WILMINGTON TRUST, N. A. EMERGING MARKET FUND |
| MORLEY STABLE VALUE FUND |
Investment model portfolios
We provide two types of investment model portfolios for WTS PARADIGM DEFERRED SAVINGS 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 WTS PARADIGM DEFERRED SAVINGS PLAN