Investment options of XCEL HR 401(K) PLAN
Total Available Funds: 86
| Investment Description |
|---|
| American Funds Global Balanced CL R6 Fund |
| American Funds New Perspective R6 Fund |
| iShares MSCI EAFE International |
| DFA Inflation Protected SEC Port Fund |
| Fidelity Emerging Markets |
| Franklin Utilities Fund |
| Fidelity US Bond |
| JPMorgan Core Plus Bond Fund |
| Prudential High Yield Fund |
| Victory Short Term Bond Fund |
| Vanguard Life Strategy Growth Fund |
| Vanguard LifeStrategy Income Fund |
| Vanguard Intermediate-Term Bond Index Ad Fund |
| Vanguard Energy Index Admiral Fund |
| Vanguard Target Retirement 2055 Fund |
| Vanguard 500 Index Admiral Fund |
| Vanguard Target Retirement 2050 Fund |
| Vanguard Target Retirement 2040 Fund |
| Vanguard FTSE Social Index Admiral Fund |
| Vanguard Health Care Admiral Fund |
| Vanguard Growth Index Admiral Fund |
| Vanguard Mid Cap Index Admiral Fund |
| Vanguard Information Technology Index Ad Fund |
| Vanguard Target Retirement 2065 Inv Fund |
| Vanguard Mid Cap Growth Index Admiral Fund |
| Vanguard Mid Cap Value Index Admiral Fund |
| Vanguard Life Strategy Conservative Fund |
| Vanguard Small Cap Growth Index Adm Fund |
| Vanguard Short-Term Federal Admiral Fund |
| Vanguard Small Cap Value Index Adm Fund |
| Vanguard Small Cap Index Admiral Fund |
| Vanguard Life Strategy Moderate Fund |
| Vanguard Target Retirement 2070 Fund |
| Vanguard Short-Term Inf Prot Index Admiral |
| Vanguard Target Retirement 2030 |
| Vanguard Target Retirement Income |
| Vanguard Target Retirement 2045 |
| Vanguard Target Retirement 2035 |
| Vanguard Target Retirement 2060 |
| Vanguard Target Retirement 2025 |
| Vanguard Target Retirement 2020 |
| Vanguard Value Index Admiral |
| Investments, at fair value |
| BlackRock BTMKX – iShares MSCI EAFE International Index Fund Class K |
| Dimensional Fund Advisors DIPSX – DFA Inflation Protected Sec Port |
| Fidelity FPADX – Fidelity Emerging Markets Index |
| Franklin/Templeton FUFRX – Franklin Utilities Fund Class R6 |
| Fidelity FXNAX – Fidelity US Bond |
| JPMorgan JCPUX – JPMorgan Core Plus Bond Fund R6 |
| Prudential PHYZX – Prudential High Yield Z |
| American Funds RGBGX – American Global Balanced Cl R6 |
| American Funds RNPGX – American Funds New Perspective R6 |
| Victory URSBX – Victory Short Term Bond Fund R6 Shares |
| Vanguard VASGX – Vanguard Life Strategy Growth |
| Vanguard VASIX – Vanguard Lifestrategy Income |
| Vanguard VBILX – Vanguard Intermediate-Term Bond Index Fund Admiral Shares |
| Vanguard VENAX – Vanguard Energy Index Admiral |
| Vanguard VFFVX – Vanguard Target Retirement 2055 Fund Investor Shares |
| Vanguard VFIAX – Vanguard 500 Index Admiral |
| Vanguard VFIFX – Vanguard Target Retirement 2050 Fund Investor Shares |
| Vanguard VFORX – Vanguard Target Retirement 2040 Fund Investor Shares |
| Vanguard VFTAX – Vanguard Ftse Social Index Admiral |
| Vanguard VGHAX – Vanguard Health Care Admiral |
| Vanguard VIGAX – Vanguard Growth Index Admiral |
| Vanguard VIMAX – Vanguard Mid-Cap Index Fund Admiral Shares |
| Vanguard VITAX – Vanguard Information Technology Index Fund Admiral Shares |
| Vanguard VLXVX – Vanguard Target Retirement 2065 Inv |
| Vanguard VMGMX – Vanguard Mid-Cap Growth Index Fund Admiral Shares |
| Vanguard VMVAX – Vanguard Mid Cap Value Index Admiral |
| Vanguard VSCGX – Vanguard Life Strategy Conservative |
| Vanguard VSGAX – Vanguard Small-Cap Growth Index Fund Admiral Shares |
| Vanguard VSGDX – Vanguard Short-Term Federal Fund Admiral Shares |
| Vanguard VSIAX – Vanguard Small Cap Value Index Fund Admiral Shares |
| Vanguard VSMAX – Vanguard Small-Cap Index Fund Admiral Shares |
| Vanguard VSMGX – Vanguard Life Strategy Moderate |
| Vanguard VSVNX – Vanguard Target Retirement 2070 |
| Vanguard VTAPX – Vanguard Short-Term Inflation-Protected Securities Index Fund Admiral Shares |
| Vanguard VTHRX – Vanguard Target Retirement 2030 |
| Vanguard VTINX – Vanguard Target Retirement Income Fund Investor Class |
| Vanguard VTIVX – Vanguard Target Retirement 2045 |
| Vanguard VTTHX – Vanguard Target Retirement 2035 Fund Investor Shares |
| Vanguard VTTSX – Vanguard Target Retirement 2060 Fund Investor Shares |
| Vanguard VTTVX – Vanguard Target Retirement 2025 |
| Vanguard VTWNX – Vanguard Target Retirement 2020 |
| Vanguard VVIAX – Vanguard Value Index Fund Admiral Shares |
| Loan LOAN – Loan 4.25% – 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for XCEL HR 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 XCEL HR 401(K) PLAN