Investment options of WESTMINSTER SERVICES, INC. 403(B) PLAN
Total Available Funds: 55
| Investment Description |
|---|
| The American Funds American Funds US Govt Sec R6 |
| Dodge and Cox Funds Dodge & Cox Income I Fund |
| Dimensional Fund Advisors DFA US Targeted Value I Fund |
| Invesco Funds Group, Inc. Inv EQV Emerging Markets All Cap R6 |
| MFS Investment Management MFS Mid Cap Value R6 |
| Principal Funds Inc Principal Lifetime Hybrid Inc R6 |
| Principal Funds Inc Principal Lifetime Hybrid 2015 R6 |
| Principal Funds Inc Principal Lifetime Hybrid 2020 R6 |
| Principal Funds Inc Principal Lifetime Hybrid 2025 R6 |
| Principal Funds Inc Principal Lifetime Hybrid 2030 R6 |
| Principal Funds Inc Principal Lifetime Hybrid 2035 R6 |
| Principal Funds Inc Principal Lifetime Hybrid 2040 R6 |
| Principal Funds Inc Principal Lifetime Hybrid 2045 R6 |
| Principal Funds Inc Principal Lifetime Hybrid 2050 R6 |
| Principal Funds Inc Principal Lifetime Hybrid 2055 R6 |
| Principal Funds Inc Principal Lifetime Hybrid 2060 R6 |
| Principal Funds Inc Principal Lifetime Hybrid 2065 R6 |
| Principal Funds Inc Principal Lifetime Hybrid 2070 R6 |
| Principal Funds Inc Principal Smallcap Growth I R6 |
| Principal Funds Inc Principal Blue Chip R6 Fund |
| Vanguard Group Vanguard Developing Mkts Index Adm |
| Vanguard Group Vanguard Equity Income Adm |
| Vanguard Group Vanguard Midcap Index Adm |
| Vanguard Group Vanguard Smallcap Index Adm |
| Vanguard Group Vanguard 500 Index Adm |
| Vanguard Group Vanguard Midcap Growth Index Adm |
| BlackRock Ultra Short Term Bd |
| BlackRock High Yield |
| BlackRock Bnd Income-Cl A |
| Legg Mason CB Var Lg Cap Gr Prt |
| Legg Mason CB Var Lg Cap Val Prt |
| Fidelity Fid VIP Mid Cap Port SC |
| Frontier Frontier Mid Cap Growth Portfolio |
| Wellington BH/Wellington Balanced |
| Fidelity High Income Portfolio IC |
| Fidelity VIP Equity Income |
| Fidelity ContraFund – SC2 |
| Invesco Global Equity Port |
| Brighthouse Financial Fixed Rider |
| West Asset Management West Asset Management U.S. Gov't Portfolio |
| Brighthouse Financial BH Asset All |
| Invesco Cmstock Portfolio |
| MetLife MetLife Stock Index Portfolio |
| Metlife Met Aggregate Bond Index |
| T. Rowe Price T. Ro Pri Lg Cap Gro Port |
| Loomis Sayles Loomis Sayles Global All Port |
| Brighthouse Financial Brighthouse Small Cap Val |
| MetLife MetLife MSCI EAFE Index |
| T. Rowe Price Small CapGr |
| Jennison Jennison Growth Portfolio |
| Brighthouse Financial BH/Wellington CoEquityOpp |
| BlackRock Capital App |
| Neuberger Berman Neuberger Berman Genesis |
| Loomis Sayles Loomis Sayles Growth Port |
| Franklin Templeton Franklin SmCapVal VIP |
Investment model portfolios
We provide two types of investment model portfolios for WESTMINSTER SERVICES, INC. 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 WESTMINSTER SERVICES, INC. 403(B) PLAN