Investment options of SIMPSON SENIOR SERVICES, INC. 403(B)(7) RETIREMENT PLAN
Total Available Funds: 31
| Investment Option List |
|---|
| Attachment – Form |
| AT DECEMBER 31, (AT) |
| Blackrock LifePath Index Retirement K (STLAX) |
| Blackrock LifePath Index 2030 K (STLDX) |
| Blackrock LifePath Index 2035 K (LPJCX) |
| Blackrock LifePath Index 2040 K (STLEX) |
| Blackrock LifePath Index 2045 K (LPHRX) |
| Blackrock LifePath Index 2050 K (LPRFX) |
| Blackrock LifePath Index 2055 K (LEVAX) |
| Blackrock LifePath Index 2060 K (BAPAX) |
| BNY Mellon BNY Mellon Natural Resources I (FNARX) |
| Federated Hermes Instl High Yield Bd IS (FHHIX) |
| Massachusetts Financial Services MFS International New Discovery R6 (MWNIX) |
| Vanguard Developed Markets Index Admiral (VDMIX) |
| Vanguard Information Technology Index Admiral (VITAX) |
| Vanguard Small Cap Growth Index Admiral (VISGX) |
| Vanguard Small Cap Value Index Admiral (VISVX) |
| Vanguard Mid Cap Index Admiral (VIMSX) |
| Vanguard 500 Index Admiral (VFINX) |
| Vanguard Growth Index Admiral (VQNPX) |
| Vanguard Utilities Index Admiral (VUIAX) |
| Vanguard Small Cap Index Admiral (VISVX) |
| Vanguard Mid-Cap Growth Index Admiral (VMGIX) |
| Vanguard Equity-Income Admiral (VEIPX) |
| Vanguard Short-Term Investment-Grade Admiral (VFSTX) |
| American Funds New World R6 (HVWBX) |
| American Funds Income Fund of America R6 (FFIFX) |
| American Funds Capital World Bond R6 (FWBCX) |
| Schwab Schwab Fdmtl Intl Eqt Idx (SFIVX) |
| Victory Victory Sycamore Established Value I (GETGX) |
| Dimensional Fund Advisors DFA Intermediate Govt Fixed-Income I (DFIGX) |
Investment model portfolios
We provide two types of investment model portfolios for SIMPSON SENIOR SERVICES, INC. 403(B)(7) RETIREMENT 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 SIMPSON SENIOR SERVICES, INC. 403(B)(7) RETIREMENT PLAN