Investment options of 2LIFE COMMUNITIES 401(K) PLAN
Total Available Funds: 31
| Investment Option List |
|---|
| Baron Growth R6 " (IBGIX) |
| DFA US Targeted Value Fund " (DWUSX) |
| Fidelity International Index Fund " (FDIVX) |
| Fidelity Small Cap Index Fund " (FSISX) |
| Fidelity Mid Cap Index Fund " (FIIMX) |
| MFS International Diversification Fund " (MDIJX) |
| Mainstay Large Cap Growth Fund " (MLAIX) |
| Putnam Large Cap Value Fund " (PMVYX) |
| T. Rowe Price Retirement 2065 Fund " (TRSJX) |
| T. Rowe Price Retirement 2060 Fund " (TRPLX) |
| T. Rowe Price Retirement 2055 Fund " (TRRNX) |
| T. Rowe Price Retirement 2050 Fund " (TRRMX) |
| T. Rowe Price Retirement 2045 Fund " (TRRKX) |
| T. Rowe Price Retirement 2040 Fund " (TRRDX) |
| T. Rowe Price Retirement 2035 Fund " (TRRJX) |
| T. Rowe Price Retirement 2030 Fund " (TRRCX) |
| Vanguard FTSE Social Index Fund " (VFTNX) |
| Vanguard Balanced Index Fund " (VBINX) |
| Vanguard Wellington Fund " (VWENX) |
| Vanguard Small Cap Growth Index Fund " (VISGX) |
| Vanguard Growth Index Fund " (VQNPX) |
| Vanguard Value Index Fund " (VTRIX) |
| Vanguard 500 Index Fund " (VFINX) |
| Wells Fargo Advantage Spec Mid Cap Value R6 Fund " (SMCDX) |
| Dodge & Cox Income X " (DODIX) |
| TIAA-CREF Social Choice Bond Inst " (TSBRX) |
| T. Rowe Price Retirement 1 2025 Fund I Class " (TRRHX) |
| T. Rowe Price Retirement 1 2020 Fund I Class " (TRRBX) |
| T. Rowe Price Retirement 1 2015 Fund I Class " (TRRGX) |
| T. Rowe Price Retirement 1 2010 Fund I Class " (TRRAX) |
| Vanguard Short-Term Investment-Grade Fund " (VFSTX) |
Investment model portfolios
We provide two types of investment model portfolios for 2LIFE COMMUNITIES 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 2LIFE COMMUNITIES 401(K) PLAN