Investment options of CYMSTAR COLLECTIVE BARGAINING EMPLOYEES’
Total Available Funds: 63
| Investment Option List |
|---|
| American Funds American Balanced (GBLAX) |
| American Funds Capital Income Builder (FBCIX) |
| American Funds EuroPacific Growth (FEPUX) |
| American Funds The Growth Fund of America (FAFGX) |
| American Funds New Perspective (FFPNX) |
| Columbia Select Mid Cap Value Fund (NAMBX) |
| Columbia Small Cap Value Fund II (CSCZX) |
| ClearBridge Small Cap Growth (SBPYX) |
| Dimensional Fund Advisors Emerging Markets Portfolio (HCEPX) |
| Dimensional Fund Advisors Inflation-Protected Securities Portfolio (HCPAX) |
| JP Morgan Equity Income (TWEIX) |
| Neuberger Berman Mid-Cap Growth (NMANX) |
| PGIM High Yield (PHYEX) |
| Vanguard 500 Index (VFINX) |
| Vanguard LifeStrategy Growth (VSCGX) |
| Vanguard LifeStrategy Moderate Growth (VSMGX) |
| Vanguard Mid-Cap Index (VIMSX) |
| Vanguard Small-Cap Index (VISVX) |
| Vanguard Target Retirement 2020 (VTWNX) |
| Vanguard Target Retirement 2025 (VTTVX) |
| Vanguard Target Retirement 2030 (VTHRX) |
| Vanguard Target Retirement 2035 (VTTHX) |
| Vanguard Target Retirement 2040 (VFORX) |
| Vanguard Target Retirement 2045 (VTIVX) |
| Vanguard Target Retirement 2050 (VFIFX) |
| Vanguard Target Retirement 2055 (VFFVX) |
| Vanguard Target Retirement 2060 (VTTSX) |
| Vanguard Target Retirement 2065 (VSXFX) |
| Vanguard Target Retirement Income (VTINX) |
| Voya Intermediate Bond Fund (IICIX) |
| Voya Fixed Account (VOYA) |
| American Funds Am Balanced R6 Registered Investment Company (GBLAX) |
| American Funds Cap Inc Bld R6 Registered Investment Company |
| American Funds EuroPacific R6 Registered Investment Company |
| American Funds Growth Fnd R6 Registered Investment Company (PGGAX) |
| American Funds Nw Prspctv R6 Registered Investment Company (FUNDS) |
| ClrBrg SmCp Grw Fd IS Registered Investment Company |
| Columbia Sel Mid Cap Value I3 Registered Investment Company (HLDEX) |
| Columbia SmCp Value Fnd II I3 Registered Investment Company |
| DFA Emerging Markets Pt Ins Registered Investment Company |
| DFA Infl-Prot Sec Port Ins Registered Investment Company |
| JPMorgan Equity Income Fund R6 Registered Investment Company (HLIEX) |
| Neuberg Berm MdCp Grw Fnd R6 Registered Investment Company |
| PGIM High Yield Fund R6 Registered Investment Company (PHYEX) |
| Vangrd 500 Index Fund Adm Registered Investment Company |
| Vangrd LifeStrat Grw Fd Inv Registered Investment Company |
| Vangrd LifeStrat Md Grw Fd Inv Registered Investment Company |
| Vangrd Mid-Cap Index Fund Adm Registered Investment Company (RHFHX) |
| Vangrd Small-Cap Index Fnd Adm Registered Investment Company |
| Vangrd Tot St Mkt Indx Fd Adm Registered Investment Company |
| Vangrd Trgt Retire 2020 Fd Registered Investment Company (TRGT) |
| Vangrd Trgt Retire 2025 Fd Registered Investment Company (TRGT) |
| Vangrd Trgt Retire 2030 Fd Registered Investment Company |
| Vangrd Trgt Retire 2035 Fd Registered Investment Company |
| Vangrd Trgt Retire 2040 Fd Registered Investment Company |
| Vangrd Trgt Retire 2045 Fd Registered Investment Company |
| Vangrd Trgt Retire 2050 Fd Registered Investment Company |
| Vangrd Trgt Retire 2055 Fd Registered Investment Company |
| Vangrd Trgt Retire 2060 Fd Registered Investment Company |
| Vangrd Trgt Retire 2065 Fd Registered Investment Company |
| Vangrd Trgt Retire Inc Fd Registered Investment Company |
| Voya Gv Mny Mkt F A (Hld Acct) Registered Investment Company |
| Voya Intermediate Bond Fund R6 Registered Investment Company (IICIX) |
Investment model portfolios
We provide two types of investment model portfolios for CYMSTAR COLLECTIVE BARGAINING EMPLOYEES’ 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 CYMSTAR COLLECTIVE BARGAINING EMPLOYEES'