Investment options of GRANITE STATE CREDIT UNION 401(K) PLAN
Total Available Funds: 21
| Investment Option List |
|---|
| American Century Inflation-Adjusted Bond 158 shares (AIANX) |
| Columbia Emerging Markets Bond 3,070 shares (RSMIX) |
| Eaton Vance Income Fund of Boston 151,981 shares (EIBIX) |
| Eaton Vance Floating Rate R6 79,574 shares (EIBLX) |
| 17,903 shares |
| Macquarie Value Class R6 90,776 shares |
| Nuveen Core Impact Bond Fund R6 93 shares (NCIRX) |
| Invesco Opp. Gold & Special Minerals 22,583 shares (IOGYX) |
| Invesco Small Cap Value R6 47,163 shares (MPSCX) |
| Brown Advisory Sustainable Growth 1,259 shares (BAFWX) |
| Driehaus Emerging Markets 48,208 shares (DREGX) |
| Fidelity Extended Market Index Fund 9,510 shares (FSEMX) |
| Fidelity 500 Index Fund 1,542 shares (FUSEX) |
| Fidelity Portfolio Select Technology Fund 4,517 shares (FFOJX) |
| Fidelity Select Health Care 2,370 shares (FHCIX) |
| T. Rowe Price Blue Chip Growth Fund 8,246 shares (TRBCX) |
| Vanguard Energy Admiral 174 shares (VGENX) |
| Vanguard Small Cap Index Admiral Fund 7,087 shares (VISVX) |
| Vanguard International Growth Admiral 10,918 shares (VWILX) |
| Vanguard Emerging Markets Stock Index 1,294 shares (VEIEX) |
| Galliard Stable Return Fd CL C 723 shares |
Investment model portfolios
We provide two types of investment model portfolios for GRANITE STATE CREDIT UNION 401(K) 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 GRANITE STATE CREDIT UNION 401(K) PLAN