Investment options of HCS 403(B) RETIREMENT PLAN
Total Available Funds: 30
| Investment Description |
|---|
| American Century Mid Cap Value R6 |
| American Funds 2010 TRGT Date Retire R6 |
| American Funds 2015 TRGT Date Retire R6 |
| American Funds 2020 TRGT Date Retire R6 |
| American Funds 2025 TRGT Date Retire R6 |
| American Funds 2030 TRGT Date Retire R6 |
| American Funds 2035 TRGT Date Retire R6 |
| American Funds 2040 TRGT Date Retire R6 |
| American Funds 2045 TRGT Date Retire R6 |
| American Funds 2050 TRGT Date Retire R6 |
| American Funds 2055 TRGT Date Retire R6 |
| American Funds 2060 TRGT Date Retire R6 |
| American Funds 2065 TRGT Date Retire R6 |
| American Funds American Balanced R6 |
| American Funds American Mutual R6 |
| American Funds Inflation Linked BD R6 |
| Cohen & Steers Realty Shares |
| Fidelity 500 Index |
| Fidelity Advisor Small Cap Value Z |
| Fidelity Emerging Markets Index |
| Fidelity Global EX US Index |
| Fidelity Mid Cap Index |
| Fidelity Small Cap Index |
| Fidelity US Bond Index |
| Mass Mutual Small Cap Opportunity I |
| PGIM High-Yield R6 |
| Putnam Growth Opportunities R6 |
| Putnam Small Cap Growth R6 |
| GWI Fixed Account Series Class II |
| participants through December 2029 -0- |
Investment model portfolios
We provide two types of investment model portfolios for HCS 403(B) 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 HCS 403(B) RETIREMENT PLAN