Investment options of K Va T 401K Plan
Total Available Funds: 29
| Investment Description |
|---|
| SEI Trust Company Principal/BlackRock International Equity Index |
| SEI Trust Company Principal/BlackRock LC Growth Index CIT TR |
| SEI Trust Company Principal/BlackRock LC Value Index CIT TR |
| SEI Trust Company Principal/BlackRock Russell 2000 Index CIT TR |
| SEI Trust Company Principal/BlackRock S&P MidCap Index CIT TR |
| SEI Trust Company Principal/BlackRock S&P 500 Index CIT TR |
| SEI Trust Company Principal/BlackRock US Agg Bond Index CIT TR |
| SEI Trust Company Principal/BlackRock Short Term Investment Fund |
| American Funds EuroPacific Growth Fund |
| American Funds Balanced Fund |
| Carillion Eagle Mid Cap Growth Fund |
| Macquarie Small Cap Value Fund |
| Fidelity |
| Fidelity US Bond Index |
| JP Morgan Mid Cap Value Fund |
| JP Morgan Large Cap Growth Fund |
| MFS Value Fund |
| Principal Small Cap Growth Fund |
| Vanguard Intermediate – Term Treasury Admiral Fund |
| Vanguard Extended Market |
| BlackRock Lifepath Index Retirement Fund |
| BlackRock Lifepath Index 2030 Fund |
| BlackRock Lifepath Index 2035 Fund |
| BlackRock Lifepath Index 2040 Fund |
| BlackRock Lifepath Index 2045 Fund |
| BlackRock Lifepath Index 2050 Fund |
| BlackRock Lifepath Index 2055 Fund |
| BlackRock Lifepath Index 2060 Fund |
| BlackRock Lifepath Index 2065 Fund |
Investment model portfolios
We provide two types of investment model portfolios for K Va T 401K 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 K Va T 401K Plan