Investment options of NEW OPPORTUNITIES, INC. 401(K) PLAN
Total Available Funds: 48
| Investment Option List |
|---|
| JP Morgan Large Cap Growth R6 (SNIGX) |
| American Funds Washington Mutual R6 (FWMMX) |
| BlackRock Mid-Cap Growth Equity Instl (SSEGX) |
| American Funds Capital World G/I R6 (HVWBX) |
| American Funds 2030 Target Date Fund R6 (REETX) |
| American Funds American Balanced R6 (GBLAX) |
| American Funds 2025 Target Date Fund R6 (REDTX) |
| American Funds 2040 Target Date Fund R6 (REGTX) |
| PIMCO Income Instl (PRIFX) |
| American Funds 2020 Target Date Fund R6 (RECTX) |
| American Funds EuroPacific Gr R6 (FEPUX) |
| American Funds 2050 Target Date Fund R6 (REITX) |
| Vanguard Small Cap Index Fund – Admiral (VISVX) |
| American Funds 2035 Target Date Fund R6 (REFTX) |
| Vanguard Selected Value Inv (VASVX) |
| American Funds 2045 Target Date Fund R6 (REHTX) |
| American Funds 2055 Target Date Fund R6 (FAJTX) |
| American Funds 2065 Target Date Fund R6 (FBMTX) |
| Vanguard 500 Index Fund – Admiral (VFINX) |
| American Funds New World R6 (HVWBX) |
| American Funds 2060 Target Date Fund R6 (CCKTX) |
| American Funds New Perspective R6 (FFPNX) |
| 1RERGX 197,544.56 |
| 1RNPGX 2,911.59 |
| 1RNWGX 9,027.14 |
| 1CMGIX 392,414.54 |
| 1JLGMX 827,678.68 |
| 1VASVX 41,249.27 |
| 1VSMAX 44,073.87 |
| 1RWIGX 477,663.79 |
| 1RWMGX 607,855.06 |
| 1VFIAX 8,779.31 |
| 1VGSLX 726.57 |
| 1RLBGX 298,242.12 |
| 1PIMIX 232,157.02 |
| 1PTRQX 4,927.22 |
| 1RAFXX 12,324.31 |
| 1METSV3 1,537,294.78 |
| 1RRCTX 173,565.74 |
| 1RFDTX 271,524.93 |
| 1RFETX 423,803.68 |
| 1RFFTX 150,439.71 |
| 1RFGTX 305,892.52 |
| 1RFHTX 39,304.24 |
| 1RFITX 255,958.42 |
| 1RFKTX 33,957.31 |
| 1RFUTX 3,688.87 |
| 1RFVTX 38,826.20 |
Investment model portfolios
We provide two types of investment model portfolios for NEW OPPORTUNITIES, INC. 401(K) 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 NEW OPPORTUNITIES, INC. 401(K) PLAN