Investment options of FIRST STATE HOLDING CO. 401(K) RETIREMENT PLAN
Total Available Funds: 26
| Investment Description |
|---|
| American Funds INFLATION LINKED BOND R6 |
| American Funds NEW PERSPECTIVE R6 |
| American Funds SMALLCAP WORLD R6 |
| Baron Funds BARON GROWTH INSTITUTIONAL |
| BlackRock HIGH YIELD INSTITUTIONAL |
| Fidelity EXTENDED MARKET INDEX |
| OPPORTUNITIES R6 |
| Janus Henderson GLOBAL EQUITY INCOME N |
| J.P. Morgan JPMORGAN LARGE CAP GROWTH R6 |
| INSTITUTIONAL |
| T. Rowe Price T ROWE PRICE RETIREMENT 2015 I |
| T. Rowe Price T ROWE PRICE RETIREMENT 2020 I |
| T. Rowe Price T ROWE PRICE RETIREMENT 2025 I |
| T. Rowe Price T ROWE PRICE RETIREMENT 2030 I |
| T. Rowe Price T ROWE PRICE RETIREMENT 2035 I |
| T. Rowe Price T ROWE PRICE RETIREMENT 2040 I |
| T. Rowe Price T ROWE PRICE RETIREMENT 2045 I |
| T. Rowe Price T ROWE PRICE RETIREMENT 2050 I |
| T. Rowe Price T ROWE PRICE RETIREMENT 2055 I |
| T. Rowe Price T ROWE PRICE RETIREMENT 2060 I |
| Vanguard Funds VANGUARD 500 INDEX ADMIRAL |
| Vanguard Funds VANGUARD EQUITY-INCOME ADMIRAL |
| Vanguard Funds VANGUARD MID-CAP VALUE INDEX ADMIRAL |
| Vanguard Funds VANGUARD SMALL CAP INDEX ADMIRAL |
| Vanguard Funds VANGUARD SMALL CAP VALUE INDEX ADMIRAL |
| Company of America Key Guaranteed Portfolio Fund |
Investment model portfolios
We provide two types of investment model portfolios for FIRST STATE HOLDING CO. 401(K) RETIREMENT 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 FIRST STATE HOLDING CO. 401(K) RETIREMENT PLAN