Investment options of CFRA RESEARCH RETIREMENT PLAN
Total Available Funds: 59
| Investment Option List |
|---|
| VANGUARD INTERNATIONAL VALUE FUND (VTRIX) |
| HARTFORD CORE EQUITY FUND (HGIYX) |
| JPMORGAN GOVERNMENT BOND FUND (HLGAX) |
| LORD ABBETT BOND DEBENTURE FUND (LBDFX) |
| LOOMIS SAYLES GLOBAL ALLOCATION FUND (LSGBX) |
| AMERICAN FUNDS CAPITAL INCOME BUILDER FUND (FBCIX) |
| BLACKROCK NATURAL RESOURCE FUND (MAGRX) |
| BLACKROCK SMALL CAP CORE FUND (BSQIX) |
| VANGUARD INTERNATIONAL GROWTH FUND (VWILX) |
| VANGUARD WELLESLEY INCOME FUND (VWINX) |
| VANGUARD EUROPEAN STOCK INDEX FUND (VEURX) |
| AMERICAN FUNDS NEW WORLD FUND (HVWBX) |
| AMG YACKTMAN FUND (YACKX) |
| WESTERN ASSET CORE PLUS BOND FUND (WACPX) |
| PGIM HIGH YIELD FUND (PHYEX) |
| JPMORGAN EQUITY INCOME FUND (HLIEX) |
| COHEN & STEERS REAL ESTATE SECURITIES FUND (CSDIX) |
| ALLSPRING SPECIAL MID CAP VALUE FUND (SMCDX) |
| ALLSPRING SPECIAL SMALL CAP VALUE FUND (ESPIX) |
| MFS MID CAP GROWTH FUND (OTCIX) |
| STATE STREET TARGET RETIREMENT FUND (SSBBX) |
| STATE STREET TARGET DATE 2025 FUND (SSBPX) |
| STATE STREET TARGET DATE 2030 FUND (SSBUX) |
| STATE STREET TARGET DATE 2035 FUND (SSBZX) |
| STATE STREET TARGET DATE 2040 FUND (SSCLX) |
| STATE STREET TARGET DATE 2045 FUND (SSCUX) |
| STATE STREET TARGET DATE 2050 FUND (SSDFX) |
| STATE STREET TARGET DATE 2055 FUND (SSDMX) |
| STATE STREET TARGET DATE 2060 FUND (SSDTX) |
| DFA WORLD EX U. S. GOVT FI PORTFOLIO FUND (DFTWX) |
| VANGUARD UTILITIES INDEX FUND (VUIAX) |
| VANGUARD TELECOM SERVICES INDEX FUND (VTCAX) |
| VANGUARD ENERGY INDEX FUND (VGENX) |
| VANGUARD FINANCIALS INDEX FUND (VFAIX) |
| VANGUARD HEALTH CARE INDEX FUND (VGHCX) |
| VANGUARD INDUSTRIALS INDEX FUND (VINAX) |
| VANGUARD TECHNOLOGY INDEX FUND (VITAX) |
| FIDELITY INVESTMENTS 500 INDEX FUND (FUSEX) |
| FIDELITY INVESTMENTS MID CAP INDEX FUND (FIIMX) |
| FIDELITY INVESTMENTS REAL ESTATE INDEX FUND (FRESX) |
| FIDELITY INVESTMENTS SMALL CAP INDEX FUND (FSISX) |
| FIDELITY INVESTMENTS TOTAL MKT INDEX FUND (FSTMX) |
| FIDELITY INVESTMENTS INTERNATIONAL INDEX FUND (FDIVX) |
| FIDELITY INVESTMENTS INFLATION PROTECTED BOND INDEX FUND (FINPX) |
| FIDELITY INVESTMENTS LARGE CAP GROWTH INDEX FUND (FSLGX) |
| FIDELITY INVESTMENTS LARGE CAP VALUE INDEX FUND (FSLVX) |
| FIDELITY INVESTMENTS SMALL CAP GROWTH FUND (FCIGX) |
| FIDELITY INVESTMENTS FREEDOM INCOME FUND (FFFAX) |
| FIDELITY INVESTMENTS TARGET DATE 2015 FUND (FSVNX) |
| FIDELITY INVESTMENTS TARGET DATE 2020 FUND (FSWDX) |
| FIDELITY INVESTMENTS TARGET DATE 2025 FUND (FSWOX) |
| FIDELITY INVESTMENTS TARGET DATE 2030 FUND (FSXAX) |
| FIDELITY INVESTMENTS TARGET DATE 2035 FUND (FSXKX) |
| FIDELITY INVESTMENTS TARGET DATE 2040 FUND (FSXVX) |
| FIDELITY INVESTMENTS TARGET DATE 2045 FUND (FSYHX) |
| FIDELITY INVESTMENTS TARGET DATE 2050 FUND (FSYWX) |
| FIDELITY INVESTMENTS TARGET DATE 2055 FUND (FSZHX) |
| FIDELITY INVESTMENTS TARGET DATE 2060 FUND (FSZSX) |
| FIDELITY INVESTMENTS TARGET DATE 2065 FUND (FTGPX) |
Investment model portfolios
We provide two types of investment model portfolios for CFRA RESEARCH 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 CFRA RESEARCH RETIREMENT PLAN