Investment options of HEFTY SEED COMPANY 401(K) PLAN AND TRUST
Total Available Funds: 27
| Investment Description |
|---|
| American Funds EuroPacific Growth Ret Opt |
| American Funds Balanced Ret Opt |
| American Funds New Perspective Ret Opt |
| Franklin Templeton Franklin Growth Series Ret Opt |
| Franklin Templeton Franklin Small Cap Value Ret Opt |
| Franklin Templeton Franklin Small-Mid Cap Growth Ret Opt |
| Goldman Sachs Mid Cap Value Ret Opt |
| Invesco Comstock Ret Opt |
| Janus Henderson Triton Ret Opt |
| Loomis Sayles Loomis Sayles Bond Ret Opt |
| State Street Prtn Series with TA Aggr Growth Ret Opt |
| State Street Prtn Series with TA Conserv Ret Opt |
| State Street Prtn Series with TA Mod Growth Ret Opt |
| State Street S&P Mid Cap Index Ret Opt |
| Franklin Templeton Templeton Global Bond Ret Opt |
| Vanguard REIT Index Ret Opt |
| Vanguard Small Cap Index Ret Opt |
| Transamerica Life Ins Co American Fds New Prspctv Ret Opt |
| Transamerica Life Ins Co Franklin Gr Series Ret Opt |
| Transamerica Life Ins Co Franklin Small-Mid Cap Gr Ret Opt |
| Transamerica Life Ins Co Invesco Comstock Ret Opt |
| Transamerica Life Ins Co Transamerica LG 2025 BlackRock |
| Transamerica Life Ins Co Transamerica LG 2040 BlackRock |
| Transamerica Life Ins Co Transamerica LG 2050 BlackRock |
| Transamerica Life Ins Co Transamerica LG 2060 BlackRock |
| Transamerica Life Ins Co Transamerica LG D BlackRock Opt |
| Transamerica Life Ins Co TA Vanguard Ttl Stock Mkt Idx Opt |
Investment model portfolios
We provide two types of investment model portfolios for HEFTY SEED COMPANY 401(K) PLAN AND TRUST 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 HEFTY SEED COMPANY 401(K) PLAN AND TRUST