Investment options of SAN DIEGO SYMPHONY 403(B) PLAN
Total Available Funds: 35
| Investment Description |
|---|
| AMERICAN FUNDS 2025 TRGT DATE RETIRE R6 |
| SCHWAB GOVERNMENT MONEY MARKET MONEY MARKET FUND |
| SCHWAB S&P 500 INDEX FUND MUTUAL FUND |
| VANGUARD GROWTH INDEX FUND ADMIRAL |
| AMERICAN FUNDS 2040 TRGT DATE RETIRE R6 |
| AMERICAN FUNDS 2020 TRGT DATE RETIRE R6 |
| AMERICAN FUNDS 2045 TRGT DATE RETIRE R6 |
| VANGUARD TOTAL INTERNATIONAL STOCK INDEX ADMIRAL |
| VANGUARD VALUE INDEX ADMIRAL |
| COLUMBIA SMALL CAP INDEX FUND INSTITUTIONAL |
| COLUMBIA MID CAP INDEX FUND INSTITUTIONAL |
| JOHN HANCOCK BOND CLASS I |
| AMERICAN FUNDS 2030 TRGT DATE RETIRE R6 |
| T ROWE PRICE SPECTRUM INCOME FUND |
| T ROWE PRICE SPECTRUM MODERATE ALLOCATION |
| PIONEER STRATEGIC INCOME FUND CLASS K |
| T ROWE SPECTRUM CONSERVATIVE ALLOCATION |
| AMERICAN FUNDS CAPITAL WORLD GROWTH & INCOME R5 |
| AMERICAN FUNDS 2055 TRGT DATE RETIRE R6 |
| AMERICAN FUNDS 2050 TRGT DATE RETIRE R6 |
| T ROWE PRICE SPECTRUM MODERATE GROWTH ALLOCATION |
| VANGUARD GNMA INVESTOR SHARES |
| AMERICAN FUNDS 2060 TRGT DATE RETIRE R6 |
| LORD ABBETT SHORT DURATION INCOME FUND CLASS |
| AMERICAN FUNDS 2015 TRGT DATE RETIRE R6 |
| AMERICAN FUNDS 2035 TRGT DATE RETIRE R6 |
| CREF GROWTH R1 POOLED SEPARATE ACCOUNT |
| CREF EQUITY INDEX R1 POOLED SEPARATE ACCOUNT |
| EQ/COMMON STOCK INDEX POOLED SEPARATE ACCOUNT |
| MULTIMANAGER AGGRESSIVE EQUITY POOLED SEPARATE ACCOUNT |
| EQ/EQUITY 500 INDEX POOLED SEPARATE ACCOUNT |
| AXA MODERATE ALLOCATION POOLED SEPARATE ACCOUNT |
| CREF MONEY MARKET R1 POOLED SEPARATE ACCOUNT |
| AXA INTERNATIONAL CORE MANAGED VOLATILITY POOLED SEPARATE ACCOUNT |
| GUARANTEED INTEREST ACCOUNT |
Investment model portfolios
We provide two types of investment model portfolios for SAN DIEGO SYMPHONY 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 SAN DIEGO SYMPHONY 403(B) PLAN