Investment options of 401(K) RETIREMENT PLAN FOR REYNOLDS BARGAINING
Total Available Funds: 23
| Investment Description |
|---|
| AMERICAN CENTURY SUSTAINABLE EQUITY R6 |
| THE AMERICAN FUNDS EUROPACIFIC GROWTH R6 FUND |
| DELAWARE INVESTMENTS SMALL CAP VALUE I FUND |
| DODGE & COX FUNS DODGE & COX INCOME FUND |
| JANUS TRITON N FUND |
| MASSACHUSETTS FINANCIAL SERVICES COMPANY VALUE R3 FUND |
| BLACKROCK LPTH INDEX RETIREMENT N FUND |
| BLACKROCK LPTH IX 2025 N FUND |
| BLACKROCK LPTH IX 2030 N FUND |
| BLACKROCK LPTH IX 2035 N FUND |
| BLACKROCK LPTH IX 2040 N FUND |
| BLACKROCK LPTH IX 2045 N FUND |
| BLACKROCK LPTH IX 2050 N FUND |
| BLACKROCK LPTH IX 2055 N FUND |
| BLACKROCK LPTH IX 2060 N FUND |
| BLACKROCK LPTH IX 2065 N FUND |
| BLACKROCK MSCI ACWI EX-US N |
| BLACKROCK US DEBT IDX M FUND |
| BLACKROCK RUSSELL 2500 IDX M FUND |
| BLACKROCK US EQUITY IDX J FUND |
| FIDELITY GROWTH CO. COMMINGLED POOL |
| GALLIARD STABLE VALUE E |
| MID CAP VALUE R1 FUND |
Investment model portfolios
We provide two types of investment model portfolios for 401(K) RETIREMENT PLAN FOR REYNOLDS BARGAINING 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 401(K) RETIREMENT PLAN FOR REYNOLDS BARGAINING