Investment options of WESTSTAR BANK 401(K) PLAN
Total Available Funds: 54
| Investment Description |
|---|
| AMCENT IN RTRMT I MUTUAL FUND |
| AMFDS AM BAL R6 MUTUAL FUND |
| AMFDS INT GR INC R6 MUTUAL FUND |
| BAIRD AGGREGTE BD INST MUTUAL FUND |
| BLKRK HI YLD BD INST MUTUAL FUND |
| CRMWLL CNTRSQR REALEST INV MUTUAL FUND |
| EV ATLNTA CAP SMID CAP I MUTUAL FUND |
| FED HRMS GOV OBLGTNS PRMR MUTUAL FUND |
| FIXED SELECT CONTRACT INSURANCE COMPANY GENERAL ACCOUNT |
| HRTFRD SCHDRINTMLCPVL SDR MUTUAL FUND |
| INVSCO GLBL Y MUTUAL FUND |
| JPM MDCAP VAL L MUTUAL FUND |
| JPM RSRCH MKT NUTRL I MUTUAL FUND |
| VIRTUS KAR MDCAP GR R6 MUTUAL FUND |
| LOOMIS BD INST MUTUAL FUND |
| LOOMIS GLBL BD INST MUTUAL FUND |
| LRDABT SHRT DUR INC I MUTUAL FUND |
| MEEDER BAL MUTUAL FUND |
| MEEDER DYNMC ALLOC MUTUAL FUND |
| MEEDER GLBL ALLOC MUTUAL FUND |
| MEEDER MRFLD MUTUAL FUND |
| MEEDER QNTX MUTUAL FUND |
| MEEDER SPCTRM MUTUAL FUND |
| MEEDER TCTCL INC RTL MUTUAL FUND |
| NATIXIS GATEWAY Y MUTUAL FUND |
| PGIM TTL RTN BD Z MUTUAL FUND |
| PIMCO ALLASSTALLATHRITYINS MUTUAL FUND |
| PIMCO DYNMC BD INST MUTUAL FUND |
| PIMCO STKPLSINTDLRHDG INST MUTUAL FUND |
| PIMCO STKPLUS LG DUR INST MUTUAL FUND |
| PRNCPL DIVRS REALASST INST MUTUAL FUND |
| TROWEPR NEW HRIZNS MUTUAL FUND |
| TROWEPR SPCTRM INC MUTUAL FUND |
| VNGRD 500 INDEX FD AS MUTUAL FUND |
| VNGRD DIVD GR INV MUTUAL FUND |
| VNGRD EQ INC INV MUTUAL FUND |
| VNGRD GR INDX ADML MUTUAL FUND |
| VNGRD SM CAP INDX FD AS MUTUAL FUND |
| VNGRD SMCAP VAL INDX ADML MUTUAL FUND |
| VNGRD STAR INV MUTUAL FUND |
| VNGRD TRGT RTRMT 2020 INV MUTUAL FUND |
| VNGRD TRGT RTRMT 2060 INV MUTUAL FUND |
| VNGRD TRGT RTRMT 2025 INV MUTUAL FUND |
| VNGRD TRGT RTRMT 2030 INV MUTUAL FUND |
| VNGRD TRGT RTRMT 2035 INV MUTUAL FUND |
| VNGRD TRGT RTRMT 2040 INV MUTUAL FUND |
| VNGRD TRGT RTRMT 2045 INV MUTUAL FUND |
| VNGRD TRGT RTRMT 2050 INV MUTUAL FUND |
| VNGRD TRGT RTRMT 2055 INV MUTUAL FUND |
| VNGRD TRGT RTRMT 2065 INV MUTUAL FUND |
| VNGRD TRGT RTRMT INC MUTUAL FUND |
| VNGRD TTL INTLSTKINDX ADML MUTUAL FUND |
| VNGRD WLSLY INC INV MUTUAL FUND |
| VNGRD WLNGTN INV MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for WESTSTAR 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 WESTSTAR BANK 401(K) PLAN