Investment options of INTERRA CREDIT UNION 401(K) PLAN AND TRUST
Total Available Funds: 22
| Investment Option List |
|---|
| Guaranteed Interest Account 1 04,334 Units |
| BlackRock Lifepath Ret K 1 17,400 Shares |
| BlackRock Lifepath 2030 K 3 6,760 Shares (STLDX) |
| BlackRock Lifepath 2035 K 1 25,389 Shares (LPJCX) |
| BlackRock Lifepath 2040 K 1 66,970 Shares (STLEX) |
| BlackRock Lifepath 2045 K 1 24,463 Shares (LPHRX) |
| BlackRock Lifepath 2050 K 1 31,699 Shares (LPRFX) |
| BlackRock Lifepath 2055 K 8 7,462 Shares (LEVAX) |
| BlackRock Lifepath 2060 K 6 1,014 Shares (BAPAX) |
| BlackRock Lifepath 2065 K 2 8,122 Shares (LIWAX) |
| Dodge & Cox Income Fund 7 5,740 Shares (DODIX) |
| Pimco Real Return Fund (I) 1 4,671 Shares (PRLPX) |
| Fidelity US Bond Index 2 7,186 Shares |
| JP Morgan Equity Income R6 1 53,216 Shares |
| Fidelity 500 Index 2 3,954 Shares (FUSEX) |
| Fidelity Large Cap Growth IDX 1 21,489 Shares (FSLGX) |
| DFA US Small Cap I 1 6,537 Shares |
| Fidelity Mid Cap Index 2 6,040 Shares (FIIMX) |
| Fidelity Small Cap Index 5 ,612 Shares (FSISX) |
| DFA International Core Equity Class I 7 7,640 Shares (DSCLX) |
| Fidelity Global EX US Index 3 7,759 Shares |
| Vanguard REIT Index Fund (Sig) 1 ,845 Shares (VGSIX) |
Investment model portfolios
We provide two types of investment model portfolios for INTERRA CREDIT UNION 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 INTERRA CREDIT UNION 401(K) PLAN AND TRUST