Investment options of HEINZERLING COMMUNITY 403(B) PLAN
Total Available Funds: 28
| Investment Description |
|---|
| Principal Trust Company Metropolitan Wt TI Rtn Bd Plan |
| Vanguard Target Retirement Inc Inv Fund |
| Vanguard Target Retirement 2020 Inv Fund |
| Vanguard Target Retirement 2025 Inv Fund |
| Vanguard Target Retirement 2030 Inv Fund |
| Vanguard Target Retirement 2035 Inv Fund |
| Vanguard Target Retirement 2040 Inv Fund |
| Vanguard Target Retirement 2045 Inv Fund |
| Vanguard Target Retirement 2050 Inv Fund |
| Vanguard Target Retirement 2055 Inv Fund |
| Vanguard Target Retirement 2060 Inv Fund |
| Vanguard Target Retirement 2065 Inv Fund |
| MFS Growth R6 Fund |
| Vanguard Sm Cap Index Adm Fund |
| Vanguard Sm Cap Val Idx Adm Fd |
| PIMCO Income Institutional Fd |
| JPMorgan U.S. Res En Eq R6 Fd |
| Cohen & Steers Re Est Sec Z Fd |
| American Funds NewPrsp R6 Fnd |
| Vanguard Emg Mk Stk Idx Adm Fd |
| Fidelity 500 Index Fund |
| Vanguard Value Index Adm Fund |
| Vanguard Ttl Intl Stk Idx Adm Fd |
| Vanguard Sm Cap Gr Idx Adm Fd |
| Vanguard MidCap Val Idx Adm Fd |
| Fidelity Mid Cap Index Fund |
| JPMorgan Mid Cap Growth Fund Class R6 |
| 4.25 to 9.50 percent – |
Investment model portfolios
We provide two types of investment model portfolios for HEINZERLING COMMUNITY 403(B) 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 HEINZERLING COMMUNITY 403(B) PLAN