Investment options of GOODWILL EASTER SEALS MIAMI VALLEY 403(B) PLAN
Total Available Funds: 27
| Investment Option List |
|---|
| The Vanguard Group, Inc. Wellington Fund # (VWENX) |
| PGIM High-Yield Fund # (PHYEX) |
| The Vanguard Group, Inc. Extended Market Index Fund # (VEXMX) |
| SPDR Gold Minishares Fund # |
| American Century Mid Cap Value Fund # (IACIX) |
| Fidelity 500 Index Fund # (FXAIX) |
| MassMutual Blue Chip Growth Fund # (MBCSX) |
| The Vanguard Group, Inc. Equity-Income Fund # (VEIPX) |
| MFS International Diversification Fund # (MDIJX) |
| American Funds New World Fund # (HVWBX) |
| American Funds New Perspective Fund # (FFPNX) |
| The Vanguard Group, Inc. Short-Term Investment Grade Fund # (VFSTX) |
| American Funds 2010 Target Date Retirement Fund # (REATX) |
| American Funds 2015 Target Date Retirement Fund # (REJTX) |
| American Funds 2020 Target Date Retirement Fund # (RECTX) |
| American Funds 2025 Target Date Retirement Fund # (REDTX) |
| American Funds 2030 Target Date Retirement Fund # (REETX) |
| American Funds 2035 Target Date Retirement Fund # (REFTX) |
| American Funds 2040 Target Date Retirement Fund # (REGTX) |
| American Funds 2045 Target Date Retirement Fund # (REHTX) |
| American Funds 2050 Target Date Retirement Fund # (REITX) |
| American Funds 2055 Target Date Retirement Fund # (FAJTX) |
| American Funds 2060 Target Date Retirement Fund # (CCKTX) |
| American Funds 2065 Target Date Retirement Fund # (AAOTX) |
| MFS Mid Cap Growth Fund # (OTCIX) |
| Dodge & Cox Global Bond Fund # (DODLX) |
| Dodge & Cox Income Fund # (DODIX) |
Investment model portfolios
We provide two types of investment model portfolios for GOODWILL EASTER SEALS MIAMI VALLEY 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 GOODWILL EASTER SEALS MIAMI VALLEY 403(B) PLAN