Investment options of DANONE U.S. 401(K) PLAN
Total Available Funds: 38
| Investment Description |
|---|
| Delaware Small Cap Value Instl Registered investment company # |
| Dodge & Cox Income Registered investment company # |
| Fidelity 500 Index Institutional Prem Registered investment company # |
| Fidelity Global ex US Index Instl Prem Registered investment company # |
| Fidelity Mid Cap Index Instl Prem Registered investment company # |
| Fidelity Small Cap Index Instl Prem Registered investment company # |
| Fidelity US Bond Index Instl Prem Registered investment company # |
| Vanguard FTSE Social Index Admiral Registered investment company # |
| JP Morgan Large Cap R6 Registered investment company # |
| Vanguard Inflation-Protected Secs Adm Registered investment company # |
| Mass Mutual Small Cap Growth Equity CT Registered investment company # |
| rates range from 3.25% to 9.5% — |
| Delaware Small Cap Val Instl |
| Dodge & Cox Dodge & Cox Inc X |
| Fidelity 500 Index |
| Fidelity Glbl ex US Index |
| Fidelity Mid Cap Index |
| Fidelity Small Cap Index |
| Fidelity US Bd Index |
| JPMorgan Lg Cap Gr R6 |
| Vanguard FTSE Social Index I |
| Vanguard Inf-Protected Secs Adm |
| Wilmington Trust MassMutual Small Cap Growth Equity CT |
| Columbia Tr Dividend Inc Inst |
| Invesco Stable Val Trust A1 |
| T. Rowe Price Ret 2005 Tr K |
| T. Rowe Price Ret 2015 Tr K |
| T. Rowe Price Ret 2020 Tr K |
| T. Rowe Price Ret 2025 Tr K |
| T. Rowe Price Ret 2030 Tr K |
| T. Rowe Price Ret 2035 Tr K |
| T. Rowe Price Ret 2040 Tr K |
| T. Rowe Price Ret 2045 Tr K |
| T. Rowe Price Ret 2050 Tr K |
| T. Rowe Price Ret 2055 Tr K |
| T. Rowe Price Ret 2060 Tr K |
| T. Rowe Price Ret 2065 Tr K |
| Wilmington Trust Wilmington Tr EuroPacific Gr Cl CT |
Investment model portfolios
We provide two types of investment model portfolios for DANONE U.S. 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 DANONE U.S. 401(K) PLAN