Investment options of ENERGY HARBOR 401(K) & RETIREMENT CONTRIBUTION PLAN
Total Available Funds: 28
| Investment Description |
|---|
| BLACKROCK EXTENDED EQUITY MARKET FUND COLLECTIVE TRUST FUND |
| BLACKROCK MSCI ACWI EX-U.S. IMI INDEX FUND COLLECTIVE TRUST FUND |
| EQUITY INDEX FUND J COLLECTIVE TRUST FUND |
| U.S. DEBT INDEX FUND M COLLECTIVE TRUST FUND |
| BLACKROCK LIFEPATH INDEX 2025 FUND L COLLECTIVE TRUST FUND |
| BLACKROCK LIFEPATH INDEX 2030 FUND L COLLECTIVE TRUST FUND |
| BLACKROCK LIFEPATH INDEX 2035 FUND L COLLECTIVE TRUST FUND |
| BLACKROCK LIFEPATH INDEX 2040 FUND L COLLECTIVE TRUST FUND |
| BLACKROCK LIFEPATH INDEX 2045 FUND L COLLECTIVE TRUST FUND |
| BLACKROCK LIFEPATH INDEX 2050 FUND L COLLECTIVE TRUST FUND |
| BLACKROCK LIFEPATH INDEX 2055 FUND L COLLECTIVE TRUST FUND |
| BLACKROCK LIFEPATH INDEX 2060 FUND L COLLECTIVE TRUST FUND |
| BLACKROCK LIFEPATH INDEX 2065 FUND L COLLECTIVE TRUST FUND |
| BLACKROCK LIFEPATH INDEX RETIREMENT FUND L COLLECTIVE TRUST FUND |
| FIRSTENERGY COMMON STOCK FUND COMMON STOCK |
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-6 MUTUAL FUND |
| BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO CLASS K MUTUAL FUND |
| DODGE & COX INTERNATIONAL STOCK FUND MUTUAL FUND |
| FIDELITY PURITAN FUND - CLASS K MUTUAL FUND |
| JPMORGAN EQUITY INCOME FUND CLASS R6 MUTUAL FUND |
| JPMORGAN LARGE CAP GROWTH FUND CLASS R6 MUTUAL FUND |
| LOOMIS SAYLES SMALL CAP GROWTH FUND CLASS N MUTUAL FUND |
| METROPOLITAN WEST TOTAL RETURN BOND FUND PLAN CLASS MUTUAL FUND |
| MFS MID-CAP VALUE FUND CLASS R6 MUTUAL FUND |
| MFS NEW DISCOVERY VALUE FUND CLASS R6 MUTUAL FUND |
| VANGUARD FEDERAL MONEY MARKET FUND INVESTOR SHARES MUTUAL FUND |
| VANGUARD MID-CAP VALUE INDEX FUND ADMIRAL SHARES MUTUAL FUND |
| T. ROWE PRICE STABLE VALUE COMMON TRUST FUND B GROUP ANNUITY CONTRACT |
Investment model portfolios
We provide two types of investment model portfolios for ENERGY HARBOR 401(K) & RETIREMENT CONTRIBUTION 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 ENERGY HARBOR 401(K) & RETIREMENT CONTRIBUTION PLAN