Investment options of 3RIVERS RETIREMENT PLAN
Total Available Funds: 24
| Investment Description |
|---|
| Allspring Special Small Cap Value Fund 895,624.6640 units |
| BNY Mellon Natural Resources Fund 150,113.9377 units |
| Clearbridge International Growth Fund 627,352.8719 units |
| Columbia Global Technology Growth Fund 210,132.5960 units |
| Columbia Limited Duration Credit Fund 635,276.1279 units |
| DFA International Small Company Portfolio 123,368.1657 units |
| Disciplined Growth Investors Small Cap Growth Fund 305,546.4876 units |
| Disciplined Growth Investors Mid Cap Growth Fund 186,595.7524 units |
| Dodge & Cox International Stock Fund 582,606.4353 units |
| JP Morgan Large Cap Growth Fund 1,537,802.9313 units |
| Janus Global Life Sciences Fund 140,696.2689 units |
| Morgan Stanley Global Fixed Income Opportunity Fund 1,201,929.0751 units |
| Nuveen International Equity Index R6 28,724,363.1632 units |
| Schwab Fundamental US Large Company Index Fund 762,834.3398 units |
| Securian AM S&P 500 Index Fund 783,771.3794 units |
| Thornburg Strategic Income 222,227.7413 units |
| Vanguard Intermediate-Term Bond Index Fund 1,313,033.4669 units |
| Vanguard LifeStrategy Conservative Growth Fund 6,819.7907 units |
| Vanguard LifeStrategy Growth Fund 319,554.9635 units |
| Vanguard LifeStrategy Moderate Growth Fund 113,612.8889 units |
| Vanguard Mid-Cap Value Index Fund 283,103.6020 units |
| Vanguard Small-Cap Index Fund 480,924.8053 units |
| Wellington Disciplined US Equity Fund 950,822.9221 units |
| Account—varying interest rate |
Investment model portfolios
We provide two types of investment model portfolios for 3RIVERS 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 3RIVERS RETIREMENT PLAN