Investment options of TEXAS BANK 401(K) PLAN
Total Available Funds: 40
| Investment Description |
|---|
| STATE STREET CORP. RUSSELL LARGE CAP GROWTH INDEX |
| STATE STREET CORP. RUSSELL LARGE CAP VALUE INDEX |
| STATE STREET CORP. RUSSELL SMALL CAP GROWTH INDEX |
| STATE STREET CORP. RUSSELL SMALL CAP VALUE INDEX |
| VANGUARD VANGUARD INFLATION PROTECTED SECURITIES ADMIRAL |
| VANGUARD VANGUARD 500 INDEX ADMIRAL |
| VANGUARD VANGUARD REAL ESTATE INDEX ADMIRAL |
| VANGUARD VANGUARD INTERNATIONAL VALUE INVESTOR |
| VANGUARD VANGUARD HIGH YIELD CORPORATE ADMIRAL |
| VANGUARD VANGUARD INTERNATIONAL GROWTH ADMIRAL |
| VANGUARD VANGUARD LIFESTRATEGY GROWTH INVESTOR |
| VANGUARD VANGUARD LIFESTRATEGY CONSERVTIVE GROWTH INVESTOR |
| VANGUARD VANGUARD LIFESTRATEGY INCOME INVESTOR |
| VANGUARD VANGUARD MID CAP GROWTH INDEX ADMIRAL |
| VANGUARD VANGUARD MID CAP VALUE INDEX ADMIRAL |
| VANGUARD VANGUARD SMALL CAP GROWTH INDEX ADMIRAL |
| VANGUARD VANGUARD SMALL CAP VALUE INDEX ADMIRAL |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2010 MODERATE |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2015 MODERATE |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2020 MODERATE |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2020 CONSERVATIVE |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2025 MODERATE |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2030 GROWTH |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2030 CONSERVATIVE |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2030 MODERATE |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2035 CONSERVATIVE |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2035 MODERATE |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2040 GROWTH |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2040 MODERATE |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2045 MODERATE |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2045 CONSERVATIVE |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2045 GROWTH |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2050 MODERATE |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2055 MODERATE |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2055 GROWTH |
| AMERICAN FUNDS YOURPATH AMERICAN FUNDS 2060 MODERATE |
| PIMCO INTERNATIONAL BOND US DOLLAR HEDGED INST. |
| PIMCO COMMODITYREALRETURN STRATEGY INSTITUTIONAL |
| WESTERN ASSET WESTERN ASSET CORE PLUS BOND CLASS IS |
| BAIRD AGGREGATE BAIRD AGGREGATE BOND CLASS INSTITUTIONAL |
Investment model portfolios
We provide two types of investment model portfolios for TEXAS 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 TEXAS BANK 401(K) PLAN