Investment options of OPEN SKY EDUCATION 403(B) PLAN
Total Available Funds: 23
| Investment Option List |
|---|
| American Funds EuroPacific Growth (FEPUX) |
| DFA Intl Small Company Port Instl (DFMPX) |
| DFA U.S. Small Cap Value Portfolio I (DISVX) |
| Dodge & Cox Stock Fund (DODFX) |
| Dodge & Cox Income Fund (DODIX) |
| Harbor Capital Appreciation Ret (HACAX) |
| Invesco Developing Markets Y (GTDIX) |
| Pioneer Strategic Income Y (STIZX) |
| Vanguard 500 Index Adm (VFINX) |
| Vanguard Mid-Cap Value Index Adm (VMVIX) |
| Vanguard Small-Cap Value Index Adm (VISVX) |
| Vanguard Target Retirement 2020 (VTWNX) |
| Vanguard Target Retirement 2025 (VTTVX) |
| Vanguard Target Retirement 2030 (VTHRX) |
| Vanguard Target Retirement 2035 (VTTHX) |
| Vanguard Target Retirement 2040 (VFORX) |
| Vanguard Target Retirement 2045 (VTIVX) |
| Vanguard Target Retirement 2050 (VFIFX) |
| Vanguard Target Retirement 2055 (VFFVX) |
| Vanguard Target Retirement 2060 (VTTSX) |
| Vanguard Target Retirement 2065 (VSXFX) |
| Vanguard Target Retirement 2070 (VSVNX) |
| Vanguard Target Retirement Income (VTINX) |
Investment model portfolios
We provide two types of investment model portfolios for OPEN SKY EDUCATION 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 OPEN SKY EDUCATION 403(B) PLAN