Investment options of CASSIA 403(B) RETIREMENT PLAN
Total Available Funds: 27
| Investment Option List |
|---|
| AMERICAN FUNDS GROWTH FUND (PGGAX) |
| AMERICAN FUNDS EUROPACIFIC GROWTH (FEPUX) |
| AMERICAN FUNDS FUNDAMENTAL INVESTORS (RFNFX) |
| CLEARBRIDGE SMALL CAP GROWTH FUND (SBPYX) |
| FIDELITY 500 INDEX (FUSEX) |
| FIDELITY EXTENDED MARKET INDEX (FSEMX) |
| FIDELITY INTERNATIONAL INDEX (FDIVX) |
| FIDELITY U. S. BOND INDEX (FSHBX) |
| MFS NEW DISCOVERY VALUE (NDVBX) |
| MFS VALUE FUND (MINIX) |
| PRUDENTIAL TOTAL RETURN BOND (PDBZX) |
| T. ROWE PRICE T ROWE PRICE MID CAP GROWTH (PMEGX) |
| T. ROWE PRICE RETIREMENT 2005 (TRRFX) |
| T. ROWE PRICE RETIREMENT 2010 (TRRAX) |
| T. ROWE PRICE RETIREMENT 2015 (TRRGX) |
| T. ROWE PRICE RETIREMENT 2020 (TRRBX) |
| T. ROWE PRICE RETIREMENT 2025 (TRRHX) |
| T. ROWE PRICE RETIREMENT 2030 (TRRCX) |
| T. ROWE PRICE RETIREMENT 2035 (TRRJX) |
| T. ROWE PRICE RETIREMENT 2040 (TRRDX) |
| T. ROWE PRICE RETIREMENT 2045 (TRRKX) |
| T. ROWE PRICE RETIREMENT 2050 (TRRMX) |
| T. ROWE PRICE RETIREMENT 2055 (TRRNX) |
| T. ROWE PRICE RETIREMENT BALANCED (TRRIX) |
| VICTORY SYCAMORE ESTABLISHED VALUE (GETGX) |
| TRANSAMERICA GOVERNMENT MONEY MARKET (IATXX) |
| STATE STREET INSTL US GOVERNMENT MONEY MARKET (GVMXX) |
Investment model portfolios
We provide two types of investment model portfolios for CASSIA 403(B) RETIREMENT 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 CASSIA 403(B) RETIREMENT PLAN