Investment options of 403(B) THRIFT PLAN FOR UNITED DISABILITY SERVICES, INC.
Total Available Funds: 37
| Investment Description |
|---|
| American Century Investments® VP Capital Appreciation Pooled Separate Accounts N/A |
| Calvert VP SRI Balanced Portfolio Pooled Separate Accounts N/A |
| DWS Capital Growth VIP Pooled Separate Accounts N/A |
| Fidelity® VIP Asset Manager Portfolio Pooled Separate Accounts N/A |
| Fidelity® VIP Contrafund® Portfolio Pooled Separate Accounts N/A |
| Fidelity® VIP Equity-Income Portfolio Pooled Separate Accounts N/A |
| Fidelity® VIP Mid Cap Portfolio Pooled Separate Accounts N/A |
| Goldman Sachs VIT US Equity Insights Fund Pooled Separate Accounts N/A |
| Goldman Sachs VIT Small Cap Equity Insights Fund Pooled Separate Accounts N/A |
| Invesco V.I. Main Street Fund® Pooled Separate Accounts N/A |
| Mutual of America 2020 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2025 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2030 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2035 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2040 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2045 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2050 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2055 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2060 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America 2065 Retirement Fund Pooled Separate Accounts N/A |
| Mutual of America Aggressive Allocation Fund Pooled Separate Accounts N/A |
| Mutual of America All America Fund Pooled Separate Accounts N/A |
| Mutual of America Bond Fund Pooled Separate Accounts N/A |
| Mutual of America Composite Fund Pooled Separate Accounts N/A |
| Mutual of America Conservative Allocation Fund Pooled Separate Accounts N/A |
| Mutual of America Equity Index Fund Pooled Separate Accounts N/A |
| Mutual of America Mid Cap Value Fund Pooled Separate Accounts N/A |
| Mutual of America Mid-Cap Equity Index Fund Pooled Separate Accounts N/A |
| Mutual of America Mid-Term Bond Fund Pooled Separate Accounts N/A |
| Mutual of America Moderate Allocation Fund Pooled Separate Accounts N/A |
| Mutual of America Retirement Income Fund Pooled Separate Accounts N/A |
| Mutual of America Small Cap Growth Fund Pooled Separate Accounts N/A |
| Mutual of America Small Cap Value Fund Pooled Separate Accounts N/A |
| PIMCO VIT Real Return Portfolio Pooled Separate Accounts N/A |
| T.Rowe Price Blue Chip Growth Portfolio Pooled Separate Accounts N/A |
| Vanguard VIF Diversified Value Portfolio Pooled Separate Accounts N/A |
| Vanguard VIF International Portfolio Pooled Separate Accounts N/A |
Investment model portfolios
We provide two types of investment model portfolios for 403(B) THRIFT PLAN FOR UNITED DISABILITY SERVICES, INC. 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 403(B) THRIFT PLAN FOR UNITED DISABILITY SERVICES, INC.