Investment options of INTERDIGITAL SAVINGS AND PROTECTION PLAN
Total Available Funds: 44
| Investment Option List |
|---|
| Exhibits |
| Signatures |
| American Century Mid Cap Value Fund Class R6 (IACIX) |
| American Funds EuroPacific Growth Fund Class R6 (FEPUX) |
| BlackRock High Yield Bond Institutional Fund (BHYIX) |
| Carillon Eagle Mid Cap Growth Fund Class R6 (HRAYX) |
| Dodge & Cox Income Fund Class I (DODIX) |
| Fidelity 500 Index Fund (FXAIX) |
| Fidelity Advisor Focused Emerging Markets I Fund (FMKIX) |
| Fidelity Small Cap Growth Fund Class K6 (FCIGX) |
| JPMorgan Large Cap Growth Fund Class R6 (JLGMX) |
| Undiscovered Managers Behavioral Value Fund Class R6 (UBVFX) |
| Vanguard Equity-Income Admiral Fund (VEIPX) |
| Vanguard Small Cap Index I Fund (VISVX) |
| Vanguard Target Retirement 2020 Fund (VTWNX) |
| Vanguard Target Retirement 2030 Fund (VTHRX) |
| Vanguard Target Retirement 2040 Fund (VFORX) |
| Vanguard Target Retirement 2050 Fund (VFIFX) |
| Vanguard Target Retirement 2060 Fund (VTTSX) |
| Vanguard Target Retirement 2070 Fund (VSVNX) |
| Vanguard Target Retirement Income Investment Fund (VTINX) |
| Stable Pooled Fund* Investments in common trusts |
| American Century Mid Cap Val R6 (IACIX) |
| American Funds EuroPacific Gr R6 (FEPUX) |
| Blackrock High Yield Portfolio Instl (BHYIX) |
| Eagle Carillon Eagle Mid Cap Gr R6 (HMRYX) |
| Dodge & Cox Dodge & Cox Inc I (DODFX) |
| Fidelity 500 Index (FUSEX) |
| Fidelity Adv Focus Emerging Mkt I (FERIX) |
| Fidelity Small Cap Gr K6 (FSISX) |
| JPMorgan Lg Cap Gr R6 |
| JP Morgan Undiscovered Mgrs Behavioral Val R6 (UBRLX) |
| Vanguard Eq Inc Adm (VAARX) |
| Vanguard REIT Index Adm (VGSIX) |
| Vanguard Small Cap Index Inst (VISVX) |
| Vanguard Target Retrmnt 2020 (VTWNX) |
| Vanguard Target Retrmnt 2030 (VTHRX) |
| Vanguard Target Retrmnt 2040 (VFORX) |
| Vanguard Target Retrmnt 2050 (VFIFX) |
| Vanguard Target Retrmnt 2060 (VTTSX) |
| Vanguard Target Retrmnt 2070 Inv (VTOVX) |
| Vanguard Target Retrmnt Inc (VTINX) |
| Interdigital Interdigital Communications St |
| Transamerica Ret Solutions Corp Stable Pooled Fd |
Investment model portfolios
We provide two types of investment model portfolios for INTERDIGITAL SAVINGS AND PROTECTION 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 INTERDIGITAL SAVINGS AND PROTECTION PLAN