Investment options of ACTION PACT, INC. 403(B) PLAN
Total Available Funds: 22
| Investment Description |
|---|
| American Funds New World Fund Class R6, 962 shares |
| Calvert Bond Fund Class R6, 43,742 shares |
| 496 shares |
| Dodge & Cox Stock Fund Class I, 1,067 shares |
| Mutual of America Clear Passage 2025 Fund, 89,993 shares |
| Mutual of America Clear Passage 2030 Fund, 104,749 shares |
| Mutual of America Clear Passage 2035 Fund, 66,336 shares |
| Mutual of America Clear Passage 2040 Fund, 29,134 shares |
| Mutual of America Clear Passage 2045 Fund, 18,462 shares |
| Mutual of America Clear Passage 2050 Fund, 24,913 shares |
| Mutual of America Clear Passage 2055 Fund, 13,062 shares |
| Mutual of America Clear Passage 2060 Fund, 9,569 shares |
| Mutual of America Clear Passage 2065 Fund, 22 shares |
| Mutual of America Equity Index Fund, 1,928 shares |
| Mutual of America International Fund, 15,474 shares |
| Mutual of America Mid Cap Equity Index Fund, 7,407 shares |
| Mutual of America Retirement Income Fund, 159,437 shares |
| Mutual of America Small Cap Equity Index Fund, 4,806 shares |
| 1,888 shares |
| Victory RS Small Cap Growth Fund Class R6, |
| 12,382 shares |
| Empower Guaranteed Interest Fund |
Investment model portfolios
We provide two types of investment model portfolios for ACTION PACT, INC. 403(B) 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 ACTION PACT, INC. 403(B) PLAN