Investment options of HERCULES REAL ESTATE SERVICES, INC. 401K PLAN
Total Available Funds: 35
| Investment Description |
|---|
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND |
| AMERICAN FUNDS GROWTH FUND OF AMERICA |
| AMERICAN FUNDS NEW PERSPECTIVE FUND |
| COLUMBIA WANGER WANGER INTERNATIONAL |
| FRANKLIN TEMPLETON FUNDS FRANKLIN RISING DIVIDENDS FUND |
| FRANKLIN TEMPLETON FUNDS FRANKLIN SMALL CAP VALUE VIP FUND |
| LEGG MASON BRANDYWINE GLOBAL OPPORTUNITIES BOND FUND |
| MFS FUNDS INTERNATIONAL INTRINSIC VALUE FUND |
| MFS FUNDS MASSACHUSETTS INVESTORS GROWTH STOCK FUND |
| PIONEER FUNDS PIONEER EQUITY INCOME FUND |
| PIONEER FUNDS PIONEER STRATEGIC INCOME FUND |
| VOYA INVESCO EQUITY & INCOME PORTFOLIO |
| VOYA FIXED ACCOUNT |
| VOYA FIXED ACCOUNT A |
| VOYA GOVERNMENT MONEY MARKET FUND |
| VOYA HIGH YIELD PORTFOLIO |
| VOYA INDEX SOLUTION 2025 PORTFOLIO |
| VOYA INDEX SOLUTION 2030 PORTFOLIO |
| VOYA INDEX SOLUTION 2035 PORTFOLIO |
| VOYA INDEX SOLUTION 2040 PORTFOLIO |
| VOYA INDEX SOLUTION 2045 PORTFOLIO |
| VOYA INDEX SOLUTION 2050 PORTFOLIO |
| VOYA INDEX SOLUTION 2055 PORTFOLIO |
| VOYA INDEX SOLUTION INCOME PORTFOLIO |
| VOYA INTERMEDIATE BOND PORTFOLIO |
| VOYA MIDCAP OPPORTUNITIES PORTFOLIO I |
| VOYA MIDCAP OPPORTUNITIES PORTFOLIO S |
| VOYA RETIREMENT CONSERVATIVE PORTFOLIO |
| VOYA RETIREMENT GROWTH PORTFOLIO |
| VOYA RETIREMENT MODERATE GROWTH PORTFOLIO |
| VOYA RETIREMENT MODERATE PORTFOLIO |
| VOYA RUSSELL MIDCAP INDEX PORTFOLIO |
| VOYA SMALLCAP OPPORTUNITIES PORTFOLIO |
| VOYA SMALL COMPANY PORTFOLIO |
| VOYA U. S. STOCK INDEX PORTFOLIO |
Investment model portfolios
We provide two types of investment model portfolios for HERCULES REAL ESTATE SERVICES, INC. 401K 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 HERCULES REAL ESTATE SERVICES, INC. 401K PLAN