Investment options of DISCOUNT TIRE / AMERICA`S TIRE RETIREMENT PLAN
Total Available Funds: 26
| Investment Description |
|---|
| AMERICAN FUNDS AMERICAN MUTUAL-5 |
| AMERICAN FUNDS EUROPACIFIC GROWTH-5 |
| AMERICAN FUNDS NEW WORLD-6 |
| COLUMBIA SMALL CAP GROWTH I INST3 |
| DODGE & COX INTERNATIONAL STOCK |
| DODGE & COX STOCK FUND |
| JANUS ENTERPRISE-I |
| JOHN HANCOCK DISCIPLINED VALUE MID-CAP-I |
| JPMORGAN DIVERSIFIED-INST |
| JPMORGAN LARGE CAP GROWTH-R5 |
| PRUDENTIAL TOTAL RETURN BOND Z |
| WELLS FARGO GOVERNMENT MMKT SELECT |
| AMERICAN CENTURY IN RETIREMENT X |
| AMERICAN CENTURY RETIREMENT DATE 2025 X |
| AMERICAN CENTURY RETIREMENT DATE 2030 X |
| AMERICAN CENTURY RETIREMENT DATE 2035 X |
| AMERICAN CENTURY RETIREMENT DATE 2040 X |
| AMERICAN CENTURY RETIREMENT DATE 2045 X |
| AMERICAN CENTURY RETIREMENT DATE 2050 X |
| AMERICAN CENTURY RETIREMENT DATE 2055 X |
| AMERICAN CENTURY RETIREMENT DATE 2060 X |
| AMERICAN CENTURY RETIREMENT DATE 2065 X |
| SSGA RUSSELL SMALL CAP INDEX FD CLASS S |
| STATE STREET S&P 500 INDEX SL SER N |
| WT FRANKLING SMALL CAP VALUE CL R |
| STATE STREET INTERNATIONAL INDEX |
Investment model portfolios
We provide two types of investment model portfolios for DISCOUNT TIRE / AMERICA`S TIRE 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 DISCOUNT TIRE / AMERICA`S TIRE RETIREMENT PLAN