Investment options of OHNWARD BANCSHARES, INC. 401(K) PROFIT SHARING PLAN
Total Available Funds: 30
| Investment Description |
|---|
| BLACKROCK MID-CAP GROWTH EQUITY K MUTUAL FUND |
| FIDELITY 500 INDEX MUTUAL FUND |
| JOHN HANCOCK DISCIPLINED VALUE MID CAP R6 MUTUAL FUND |
| FEDERATED INSTL HIGH YIELD BOND INSTL MUTUAL FUND |
| FIDELITY ADVISOR INVESTMENT GR BD Z MUTUAL FUND |
| HARTFORD SCHRODERS INTL STOCK FUND CLASS SDR MUTUAL FUND |
| INVESTSCO OPPENHEIMER INTL SMALL-MID CLASS R6 MUTUAL FUND |
| JP MORGAN EMERGING MARKETS EQUITY CLASS R6 MUTUAL FUND |
| LORD ABBETT SHORT DURATION INCOME R6 MUTUAL FUND |
| MFS GROWTH R6 MUTUAL FUND |
| MFS VALUE R6 MUTUAL FUND |
| SCHWAB SMALL CAP INDEX MUTUAL FUND |
| TIAA- CREF REAL ESTATE SECURITIES FUND INST CLASS MUTUAL FUND |
| VANGUARD BALANCED INDEX ADM MUTUAL FUND |
| VANGUARD INFLATION-PROTECTED SECS ADM MUTUAL FUND |
| VANGUARD MID CAP INDEX ADMIRAL MUTUAL FUND |
| VANGUARD WELLESLEY® INCOME ADMIRAL MUTUAL FUND |
| PARAMETRIC COMMODITY STRATEGY FUND CL I MUTUAL FUND |
| TIAA- CREF LIFECYCLE INDEX 2055 FUND INST CL MUTUAL FUND |
| TIAA- CREF LIFECYCLE INDEX 2050 FUND INST CL MUTUAL FUND |
| TIAA- CREF LIFECYCLE INDEX 2045 FUND INST CL MUTUAL FUND |
| TIAA- CREF LIFECYCLE INDEX 2040 FUND INST CL MUTUAL FUND |
| TIAA- CREF LIFECYCLE INDEX 2035 FUND INST CL MUTUAL FUND |
| TIAA- CREF LIFECYCLE INDEX 2030 FUND INST CL MUTUAL FUND |
| TIAA- CREF LIFECYCLE INDEX 2025 FUND INST CL MUTUAL FUND |
| TIAA- CREF LIFECYCLE INDEX 2020 FUND INST CL MUTUAL FUND |
| TIAA- CREF LIFECYCLE INDEX 2015 FUND INST CL MUTUAL FUND |
| TIAA- CREF LIFECYCLE INDEX 2010 FUND INST CL MUTUAL FUND |
| TIAA- CREF LIFECYCLE INDEX 2060 FUND INST CL MUTUAL FUND |
| TIAA- CREF LIFECYCLE INDEX 2065 FUND INST CL MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for OHNWARD BANCSHARES, INC. 401(K) PROFIT SHARING 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 OHNWARD BANCSHARES, INC. 401(K) PROFIT SHARING PLAN