Investment options of CITADEL RETIREMENT SAVINGS PLAN
Total Available Funds: 33
| Investment Description |
|---|
| American Funds 2010 Target Date Retirement Fund |
| American Funds 2015 Target Date Retirement Fund |
| American Funds 2020 Target Date Retirement Fund |
| American Funds 2025 Target Date Retirement Fund |
| American Funds 2030 Target Date Retirement Fund |
| American Funds 2035 Target Date Retirement Fund |
| American Funds 2040 Target Date Retirement Fund |
| American Funds 2045 Target Date Retirement Fund |
| American Funds 2050 Target Date Retirement Fund |
| American Funds 2055 Target Date Retirement Fund |
| American Funds 2060 Target Date Retirement Fund |
| AS Emerging Markets Equity Fund |
| AS Small Company Growth Fund |
| AS Special Mid Cap Value Bond |
| Baron Asset Fund Institutional |
| Cohen & Steers Realty Shares Fund Class Z |
| Fidelity 500 Index Fund |
| Fidelity Capital & Income Fund |
| Fidelity Contrafund |
| Fidelity Diversified International Fund |
| Fidelity Extended Market Index Fund |
| Fidelity Government Money Market Fund |
| Fidelity Inflation-Protected Bond Index Fund |
| Fidelity International Index Fund |
| Fidelity International Small Cap Fund |
| Fidelity Managed Income Portfolio Class 2 |
| Fidelity Strategic Real Return Fund |
| Fidelity U.S. Bond Index Fund |
| First Eagle Global Fund Class |
| Janus Henderson Enterprise Fund Class N |
| John Hancock Funds Disciplined Value Mid Cap |
| Loomis Sayles Core Plus Bond Fund Class N |
| MFS Value Fund |
Investment model portfolios
We provide two types of investment model portfolios for CITADEL RETIREMENT SAVINGS 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 CITADEL RETIREMENT SAVINGS PLAN