Investment options of FINRA SAVINGS PLUS PLAN
Total Available Funds: 20
| Investment Description |
|---|
| Vanguard FTSE All-World ex-US Index Fund: Inst.Plus Shares 909,935 shares |
| Vanguard Inflation-Protected Securities Fund: Inst. Shares 1,588,076 shares |
| EARNEST Partners Smid Cap Core Fund; Class 1 1,994,438 units |
| MFS International Equity CIT Class 3 3,474,868 units |
| PineStoneU.S. Equity CIT; Founders Class 1,596,386 units |
| Vanguard Institutional 500 Index Trust 5,425,453 units |
| Vanguard Institutional Extended Market Index Trust 1,036,962 units |
| Vanguard Retirement Savings Trust III 154,011,400 units |
| Vanguard Target Retirement 2020 Trust I 428,503 units |
| Vanguard Target Retirement 2025 Trust I 1,078,836 units |
| Vanguard Target Retirement 2030 Trust I 1,812,168 units |
| Vanguard Target Retirement 2035 Trust I 1,840,454 units |
| Vanguard Target Retirement 2040 Trust I 1,560,702 units |
| Vanguard Target Retirement 2045 Trust I 1,506,504 units |
| Vanguard Target Retirement 2050 Trust I 1,312,575 units |
| Vanguard Target Retirement 2055 Trust I 559,319 units |
| Vanguard Target Retirement 2060 Trust I 521,487 units |
| Vanguard Target Retirement 2065 Trust I 208,855 units |
| Vanguard Target Retirement 2070 Trust I 50,654 units |
| Vanguard Target Retirement Income Trust I 264,801 units |
Investment model portfolios
We provide two types of investment model portfolios for FINRA SAVINGS PLUS 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 FINRA SAVINGS PLUS PLAN