Investment options of USIC 401(K) SAVINGS PLAN
Total Available Funds: 25
| Investment Description |
|---|
| American Funds EuroPacific Growth Fund R6 28,082 shares |
| BlackRock High Yield Bond Fund K 255,829 shares |
| DFA US Targeted Value Fund I 25,728 shares |
| Dodge & Cox Income Fund 223,417 shares |
| Fidelity Advisor Small Cap Growth Fund 85,365 shares |
| JP Morgan Large Cap Growth R6 Fund 84,989 shares |
| Victory Sycamore Established Value Fund 21,764 shares |
| PIMCO Real Return Institutional Fund 105,140 shares |
| Vanguard Mid Cap Index Fund Admiral 8,281 shares |
| Vanguard Small Cap Index Fund Admiral 18,157 shares |
| Vanguard Windsor II Fund Admiral 28,944 shares |
| Vanguard Mid-Cap Growth Index Admiral Fund 11,702 shares |
| Vanguard Target Retirement 2020 Account 101,351 units |
| Vanguard Target Retirement 2025 Account 278,917 units |
| Vanguard Target Retirement 2030 Account 468,571 units |
| Vanguard Target Retirement 2035 Account 479,574 units |
| Vanguard Target Retirement 2040 Account 415,935 units |
| Vanguard Target Retirement 2045 Account 307,556 units |
| Vanguard Target Retirement 2050 Account 263,391 units |
| Vanguard Target Retirement 2055 Account 156,639 units |
| Vanguard Target Retirement 2060 Account 126,092 units |
| Vanguard Target Retirement 2065 Account 70,775 units |
| Vanguard Target Retirement 2070 Account 15,067 units |
| Vanguard Target Retirement Income Account 29,356 units |
| Principal/BlackRock S&P 500 Index Account 37,603 units |
Investment model portfolios
We provide two types of investment model portfolios for USIC 401(K) SAVINGS 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 USIC 401(K) SAVINGS PLAN