Investment options of SANTA RITA LANDSCAPING 401(K) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| VANGUARD JOHN HANCOCK INCOME FUND CLASS I |
| VANGUARD VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES |
| VANGUARD VANGUARD 500 INDEX FUND ADMIRAL SHARES |
| VANGUARD VANGUARD EXTENDED MARKET INDEX FUND ADMIRAL SHARES |
| VANGUARD VANGUARD GROWTH INDEX FUND ADMIRAL SHARES |
| VANGUARD VANGUARD REAL ESTATE INDEX FUND ADMIRAL SHARES |
| VANGUARD VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES |
| VANGUARD VANGUARD VALUE INDEX FUND ADMIRAL SHARES |
| COLUMBIA SELECT LARGE CAP GROWTH INSTL SHARES |
| VANGUARD VANGUARD MID-CAP VALUE INDEX FUND ADMIRAL SHARES |
| VANGUARD VANGUARD SMALL CAP VALUE INDEX FUND ADMIRAL SHARES |
| VANGUARD VANGUARD SMALL-CAP GROWTH INDEX FUND ADMIRAL SHARES |
| SIERRA TRUST TACTICAL CORE INCOME FUND INSTL |
| HARBOR FUNDS HARBOR BOND FUND INSTITUTIONAL CLASS |
| HERMES FEDERATED GOVERNMENTAL OBLIGATIONS FUND |
| INVESCO INVESCO OPPENHEIMER DEVELOPING MARKETS FUND CLASS Y |
| AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-6 |
| VANGUARD VANGUARD DIVIDEND GROWTH FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT 2050 FUND INVESTOR SHARES |
| VANGUARD VANGUARD EQUITY-INCOME FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT 2040 FUND INVESTOR SHARES |
| VANGUARD VANGUARD MID-CAP GROWTH FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT 2035 FUND INVESTOR SHARES |
| VANGUARD VANGUARD INTERNATIONAL VALUE FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT 2030 FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT 2045 FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT INCOME |
| VANGUARD VANGUARD TARGET RETIREMENT 2025 FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT 2055 FUND INVESTOR SHARES |
| VANGUARD VANGUARD U. S. GROWTH FUND INVESTOR SHARES |
Investment model portfolios
We provide two types of investment model portfolios for SANTA RITA LANDSCAPING 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 SANTA RITA LANDSCAPING 401(K) PLAN