HERITAGE PLASTICS, INC. 401(K) PLAN Investment Options
Basic steps for HERITAGE PLASTICS, INC. 401(K) PLAN investments
- Understand Your Goals and Risk Tolerance: Consider your retirement goals, time horizon, and risk tolerance when choosing investments. Are you saving for retirement, or do you have other financial goals in mind? How comfortable are you with market fluctuations?
- Diversification: Diversification is key to managing risk in your investment portfolio. Spread your investments across different asset classes (e.g., stocks, bonds, cash equivalents) and sectors to reduce the impact of market volatility.
- Asset Allocation: Determine the appropriate mix of assets for your investment portfolio based on your goals and risk tolerance. This may involve allocating a percentage of your portfolio to stocks, bonds, and cash equivalents.
- Review Investment Options: Evaluate the investment options available within HERITAGE PLASTICS, INC. 401(K) PLAN (see below for more detailed investment options). Look for funds with low fees, consistent performance, and a track record of meeting their investment objectives.
- Consider Target-Date Funds: Target-date funds are a popular option for retirement savings because they automatically adjust the asset allocation over time based on your expected retirement date. These funds can be a convenient option for investors who prefer a hands-off approach to investing.
- Monitor and Rebalance: Periodically review your investment portfolio and make adjustments as needed. Rebalance your portfolio to maintain your desired asset allocation and ensure it remains aligned with your goals and risk tolerance.
- Seek Professional Advice: If you’re unsure about which investments to choose or how to allocate your assets, consider seeking advice from a financial advisor. They can help you develop an investment strategy tailored to your individual needs and circumstances.
By following these steps, you can set up a 401(k) plan and choose investments that align with your long-term financial goals and objectives. Remember that investing involves risk, and it’s important to carefully consider your options and seek professional advice if needed.
Investment Options
HERITAGE PLASTICS, INC. 401(K) PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
Total Available Funds: 34
| Investment Description |
|---|
| PIMCO INCOME INST MUTUAL FUND |
| TRP BLUE CHIP GROWTH I MUTUAL FUND |
| HARBOR SCV RET MUTUAL FUND |
| CLAV US LG CP CRI I MUTUAL FUND |
| BLKRK HIGH YLD BD K MUTUAL FUND |
| VANG EQUITY INC ADM MUTUAL FUND |
| CRLN E MID CAP GR R6 MUTUAL FUND |
| AM CENT MD CAP VALUE R6 MUTUAL FUND |
| FH MDT SM CAP GROWTH I MUTUAL FUND |
| AF EUROPAC GROWTH R6 MUTUAL FUND |
| JH TRITON N MUTUAL FUND |
| AB GLOBAL BOND Z MUTUAL FUND |
| JPM US EQUITY R6 MUTUAL FUND |
| INVS DEVELOP MARKETS R6 MUTUAL FUND |
| FID CAPITAL & INCOME MUTUAL FUND |
| FIDELITY MANAGED INCOME PORTFOLIO COMMON COLLECTIVE TRUST |
| DIMENSIONAL ADVISOR US MICRO CAP PORT MUTUAL FUND |
| DFA INTERNATIONAL SMALL COMPANY PORT |
| ARK ETF TR INDL INNOVATION ETF MUTUAL FUND |
| ARK ETF TR GENOMIC REVOLUTION MULTI MUTUAL FUND |
| ISHARES TR S& P 500 INDEX FD MUTUAL FUND |
| ISHARES TR LEHMAN U S AGGREGATE BD FD MUTUAL FUND |
| ISHARES TR LEHMAN 3-7 YR TREAS BD FD MUTUAL FUND |
| VANGUARD INTERMEDIATE TERM MUTUAL FUND |
| SPDR SER TR BARCLAYS MUTUAL FUND |
| VANGUARD TAX MANAGED FD EUROPE PACIFIC MUTUAL FUND |
| VANGUARD SCOTTSDALE FDS VANGUARD MUTUAL FUND |
| VANGUARD INDEX FDS FORMERLY VANGUARD MUTUAL FUND |
| WISDOMTREE TR EMERGING MKTS MUTUAL FUND |
| S& P 500 DEPOSITORY RECEIPT MUTUAL FUND |
| VANGUARD BD INDEX FD INC TOTAL BD MARKET MUTUAL FUND |
| ISHARES INC CORE MSCI EMERGING MARKETS MUTUAL FUND |
| INVESTCO QQQ TR UNIT SERIES 1 MUTUAL FUND |
| ARK ETF TR INNOVATION ETF MUTUAL FUND |
How to invest
Key principles in retirement investing:
- Proper asset allocation among stocks and bonds, the two major assets. Proper assess your risk tolerance level based on your age, financial situation, personal emotional level to tolerate up and down, and retirement expectation.
- Invest in (ultra) low cost index funds if possible. Don’t get caught up with flashy funds.
- Invest for a long term: financial markets are up and down and investment values are subject to fluctuation. However, viewed as business investments, you can be assured that diversified funds (stocks and bonds) have solid business fundamental that eventually will deliver inflation beating returns for stocks.
See Four-Step Guide for 401(k) Retirement Investing.
Basic asset allocation templates
The following asset allocation templates are based on popular lazy portfolios. These are core or major asset class-based portfolios using ultra-low-cost index funds for each asset class. Once you have decided on your proper risk asset (stocks) allocation, you can utilize these lazy portfolio templates to scale the allocations to your risk allocation level. See Asset Allocation Portfolio Templates for a guide:
The return data shown below all have the same latest date: 04/24/2025.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | -1.24% | 7.16% | 4.57% | 7.57% | 5.85% | 6.78% | 6.64% | 6.33% |
| Five Core Asset Portfolio | -1.49% | 7.14% | 4.45% | 7.43% | 5.77% | 6.67% | 6.72% | 6.52% |
| Three Core Asset Portfolio | -1.55% | 7.03% | 5.40% | 8.01% | 6.22% | 7.03% | 6.75% | 6.26% |
| Two Core Asset Portfolio | -3.87% | 6.96% | 5.80% | 8.50% | 7.27% | 8.26% | 7.45% | 6.73% |
| Yale Endowment Template | -0.81% | 8.17% | 3.39% | 7.36% | 6.17% | 7.64% | 7.44% | 7.60% |
| S&P 500 Index | -6.41% | 9.46% | 10.01% | 15.80% | 11.87% | 12.58% | 10.08% | 8.17% |
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