Investment options of ORRSTOWN BANK 401(K) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| VOYA FIXED ACCOUNT |
| VANGUARD VANGUARD 500 INDEX FUND |
| VOYA TARGET SOLUTION TRUST FUND: 2045 |
| VOYA TARGET SOLUTION TRUST FUND: 2025 |
| VOYA TARGET SOLUTION TRUST FUND: 2035 |
| VOYA TARGET SOLUTION TRUST FUND: 2030 |
| VOYA TARGET SOLUTION TRUST FUND: 2055 |
| VOYA TARGET SOLUTION TRUST FUND: 2050 |
| AMERICAN FUNDS AMERICAN BALANCED FUND |
| AMERICAN FUNDS THE GROWTH FUND OF AMERICA |
| JPMORGAN EQUITY INCOME FUND |
| VANGUARD VANGUARD SMALL CAP INDEX FUND |
| MFS MFS INTERNATIONAL VALUE FUND |
| VOYA MID CAP OPPORTUNITIES PORTFOLIO FUND |
| VOYA TARGET SOLUTION TRUST FUND: INCOME |
| PIONEER STRATEGIC INCOME FUND |
| VANGUARD VANGUARD MID CAP INDEX FUND |
| AMERICAN FUNDS THE INCOME FUND OF AMERICA |
| AMERICAN FUNDS NEW WORLD FUND |
| VOYA TARGET SOLUTION TRUST FUND: 2040 |
| CLEARBRIDGE SMALL CAP GROWTH FUND |
| DIMENSIONAL FUND ADVISORS DFA INFLATION-PROTECTED SECURITIES PORTFOLIO FUND |
| PIONEER BOND FUND |
| PIMCO COMMODITY REAL RETURN STRATEGY FUND |
| DIMENSIONAL FUND ADVISORS DFA GLOBAL REAL ESTATE SECURITIES PORTFOLIO FUND |
| ALLIANCEBERNSTEIN AB GLOBAL BOND FUND |
| DIMENSIONAL FUND ADVISORS DFA U. S. TARGETED VALUE PORTFOLIO FUND |
| NEUBERGER BERMAN HIGH INCOME BOND FUND |
| VOYA TARGET SOLUTION TRUST FUND: 2065 |
| VOYA MONEY MARKET FUND |
Investment model portfolios
We provide two types of investment model portfolios for ORRSTOWN BANK 401(K) 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 ORRSTOWN BANK 401(K) PLAN