Investment options of SOFTERWARE, INC. 401(K) PROFIT SHARING PLAN AND TR
Total Available Funds: 33
| Investment Option List |
|---|
| Allspring Special Mid Cap Value Fund R6 (SMCDX) |
| Federated Hermes Institutional High Yield Bond (FIHAX) |
| Fidelity International Index (FDIVX) |
| Fidelity Advisor Small Cap Growth Z (FCIGX) |
| Janus Henderson Enterprise Fund Cl (JMGRX) |
| JP Morgan Small Cap Equity R6 (MITYX) |
| MFS International Diversified Income R6 (DIFDX) |
| Touchstone Mid Cap Y (TMCPX) |
| Vanguard 500 Index Admiral Fund (VFINX) |
| Vanguard Bond Index Fund Inc. Interim-Term (VBISX) |
| Vanguard European Stock Index Admiral Fund (VEURX) |
| Vanguard FTSE Social Indeed Admiral (VFTNX) |
| Vanguard Global Equity Fund (VHGEX) |
| Vanguard Growth Index Admiral (VQNPX) |
| Vanguard Index Trust Mid-Cap Admiral Shares (VIMSX) |
| Vanguard Inflation Protected Sec Fund (TPRFX) |
| Vanguard Long-Term Treasury Admiral (VUSTX) |
| Vanguard Small Cap Index Admiral Fund (VISVX) |
| Vanguard Small Cap Value Index Admiral (VISVX) |
| Vanguard Target Retirement Income Fund (VTINX) |
| Vanguard Target Retirement 2020 Fund (VTWNX) |
| Vanguard Target Retirement 2025 Fund (VTTVX) |
| Vanguard Target Retirement 2030 Fund (VTHRX) |
| Vanguard Target Retirement 2035 Fund (VTTHX) |
| Vanguard Target Retirement 2040 Fund (VFORX) |
| Vanguard Target Retirement 2045 Fund (VTIVX) |
| Vanguard Target Retirement 2050 Fund (VFIFX) |
| Vanguard Target Retirement 2055 Fund (VFFVX) |
| Vanguard Target Retirement 2060 Fund (VTTSX) |
| Vanguard Target Retirement 2065 Fund (VSXFX) |
| Vanguard Wellington Admiral Shares Fund (VWENX) |
| Vanguard Windsor II Admiral Shares Fund (VWNFX) |
| participants Maturity dates from 2025 to |
Investment model portfolios
We provide two types of investment model portfolios for SOFTERWARE, INC. 401(K) PROFIT SHARING PLAN AND TR 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 SOFTERWARE, INC. 401(K) PROFIT SHARING PLAN AND TR