Investment options of VICTOR COMMUNITY SUPPORT SERVICES 403(B) PLAN
Total Available Funds: 24
| Investment Description |
|---|
| BlackRock Lifepath Index 2030 K Fund $ – |
| Vanguard 500 Index Admiral Fund |
| Vanguard BlackRock Lifepath Index 2055 K Fund |
| BlackRock Lifepath Index 2035 K Fund |
| BlackRock Lifepath Index 2060 K Fund |
| BlackRock Lifepath Index 2050 K Fund |
| BlackRock Lifepath Index 2045 K Fund |
| BlackRock Lifepath Index Retirement K Fund |
| Vanguard BlackRock Lifepath Index 2040 K Fund |
| Vanguard JP Morgan Large Cap Growth R6 Fund |
| Hartford Vanguard Developed Markets Index Admiral Fund |
| Vanguard BlackRock Lifepath Index 2065 K Fund |
| Vanguard Small Cap Index Admiral Fund |
| Vanguard Hartford Equity Income Y Fund |
| MFS Vanguard Wellington Investor Fund |
| Vanguard MFS International Diversification R6 Fund |
| Vanguard Small Cap Growth Index Admiral Fund |
| T. Rowe Price Vanguard Mid Cap Index Admiral Fund |
| JP Morgan JP Morgan Mid Cap Growth R6 Fund |
| MFS T. Rowe Price Health Sciences Fund |
| Columbia Funds MFS Mid Cap Value R6 Fund |
| BlackRock Columbia Strategic Income I3 Fund |
| Goldman Sachs Small Cap Value Insights R6 Fund |
| Principal Trust Company General account – |
Investment model portfolios
We provide two types of investment model portfolios for VICTOR COMMUNITY SUPPORT SERVICES 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 VICTOR COMMUNITY SUPPORT SERVICES 403(B) PLAN