Investment options of FAIR ISAAC 401(K) PLAN
Total Available Funds: 27
| Investment Option List |
|---|
| FIDELITY CONTRAFUND COMMINGLED POOL CLASS A COLLECTIVE TRUST FUND (FCNTX) |
| VANGUARD TOTAL BOND MARKET INDEX FUND MUTUAL FUND (VBMFX) |
| NEUBERGER & BERMAN GENESIS FUND R6 MUTUAL FUND (NBGEX) |
| FIDELITY 500 INDEX FUND MUTUAL FUND (FUSEX) |
| VANGUARD CAPITAL OPPORTUNITY FUND MUTUAL FUND (VHCAX) |
| COLUMBIA CONTRARIAN CORE Y FUND MUTUAL FUND (SMGIX) |
| FIDELITY PURITAN FUND MUTUAL FUND (FPURX) |
| T. ROWE PRICE BLUE CHIP GROWTH FUND COLLECTIVE TRUST FUND (TRBCX) |
| VANGUARD WINDSOR II FUND MUTUAL FUND (VWNFX) |
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND MUTUAL FUND (FEPUX) |
| VANGUARD EXPLORER FUND MUTUAL FUND (VINEX) |
| VANGUARD SHORT‐TERM BOND FUND MUTUAL FUND (VBISX) |
| METROPOLITAN WEST TOTAL RETURN BOND FUND MUTUAL FUND (MWTIX) |
| FIDELITY GOVERNMENT MONEY MARKET FUND MONEY MARKET FUND (SPAXX) |
| FIDELITY BROKERAGELINK VARIOUS |
| VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS Y MUTUAL FUND (GETGX) |
| VANGUARD TARGET RETIREMENT 2020 MUTUAL FUND (VTWNX) |
| VANGUARD TARGET RETIREMENT 2030 MUTUAL FUND (VTHRX) |
| VANGUARD TARGET RETIREMENT 2040 MUTUAL FUND (VFORX) |
| VANGUARD TARGET RETIREMENT 2050 MUTUAL FUND (VFIFX) |
| VANGUARD TARGET RETIREMENT 2025 MUTUAL FUND (VTTVX) |
| VANGUARD TARGET RETIREMENT 2035 MUTUAL FUND (VTTHX) |
| VANGUARD TARGET RETIREMENT 2045 MUTUAL FUND (VTIVX) |
| VANGUARD TARGET RETIREMENT 2060 MUTUAL FUND (VTTSX) |
| VANGUARD TARGET RETIREMENT 2055 MUTUAL FUND (VFFVX) |
| VANGUARD TARGET RETIREMENT 2065 MUTUAL FUND (VSXFX) |
| VANGUARD INSTITUTIONAL TARGET INDEX FUND MUTUAL FUND (VTINX) |
Investment model portfolios
We provide two types of investment model portfolios for FAIR ISAAC 401(K) 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 FAIR ISAAC 401(K) PLAN