Investment options of DYOPATH 401(K) SAVINGS PLAN 003
Total Available Funds: 32
| Investment Description |
|---|
| DYOPATH 401(k) Savings Plan |
| Voya American Funds Am Balanced R6 |
| Voya American Funds Fdmntl Inv R6 |
| Voya American Funds New World R6 |
| Voya American Funds Nw Prspctv R6 |
| Voya ClrBrg SmCp Grw Fd IS |
| Voya DFA Infl-Prot Sec Port Ins |
| Voya DFA US Targeted Vl Port Ins |
| Voya Inv Opp Intl Growth R6 |
| Voya Invesco Divrsd Dividend Fd R6 |
| Voya JPMorgan LgCp Grw Fnd R6 |
| Voya MFS Value Fund R6 |
| Voya Neuberg Berm MdCp Grw Fnd R6 |
| Voya PGIM High Yield Fund R6 |
| Voya Pioneer Strategic Income Fnd K |
| Voya Vangrd 500 Index Fund Adm |
| Voya Vangrd LifeStrat Cns Gr Fd Inv |
| Voya Vangrd LifeStrat Grw Fd Inv |
| Voya Vangrd Mid-Cap Index Fund Adm |
| Voya Vangrd Small-Cap Index Fnd Adm |
| Voya Vangrd Tot Int Stk In F Adm |
| Voya Vangrd Trgt Retire 2020 Fd |
| Voya Vangrd Trgt Retire 2025 Fd |
| Voya Vangrd Trgt Retire 2030 Fd |
| Voya Vangrd Trgt Retire 2035 Fd |
| Voya Vangrd Trgt Retire 2040 Fd |
| Voya Vangrd Trgt Retire 2045 Fd |
| Voya Vangrd Trgt Retire 2050 Fd |
| Voya Vangrd Trgt Retire 2055 Fd |
| Voya Vangrd Trgt Retire 2060 Fd |
| Voya Vangrd Trgt Retire 2065 Fd |
| Voya Vangrd Trgt Retire Inc Fd |
Investment model portfolios
We provide two types of investment model portfolios for DYOPATH 401(K) SAVINGS PLAN 003 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 DYOPATH 401(K) SAVINGS PLAN 003