Investment options of DISTRIBUTION SERVICES RETIREMENT PLAN
Total Available Funds: 30
| Investment Description |
|---|
| TIAA- CREF LIFECYCLE INDEX 2065 FUND |
| TIAA- CREF LIFECYCLE INDEX 2060 FUND |
| TIAA- CREF LIFECYCLE INDEX 2055 FUND |
| TIAA- CREF LIFECYCLE INDEX 2050 FUND |
| MFS MID CAP GROWTH FUND |
| SCIENCE AND TECHNOLOGY FUND |
| TIAA- CREF LARGE CAP GROWTH INDEX FUND |
| TIAA- CREF SMALL CAP BLEND INDEX FUND |
| UNDISCOVERED MANAGERS BEHAVIORAL VALUE FUND |
| VANGUARD ENERGY FUND |
| VANGUARD EXPLORER FUND |
| VANGUARD STRATEGIC EQUITY FUND |
| VANGUARD INTERNATIONAL GROWTH FUND |
| VICTORY TRIVALENT INTERNATIONAL SMALL-CAP FUND |
| WISDOMTREE MIDCAP DIVIDEND FUND |
| DFA US LARGE COMPANY FUND |
| AMERICAN FUNDS NEW PERSPECTIVE FUND |
| JANUS HENDERSON FORTY FUND |
| PUTNAME LARGE CAP VALUE FUND |
| VANGUARD VALUE INDEX FUND |
| WASHINGTON MUTUAL INVESTORS FUND |
| JANUS HENDERSON BALANCED FUND |
| VANGUARD BALANCED INDEX FUND |
| BLACKROCK INFLATION PROTECTED BOND FUND |
| HIGH YIELD FUND |
| LOOMIS SAYLES CORE PLUS BOND FUND |
| LORD ABBETT HIGH YIELD FUND |
| PIMCO INCOME FUND |
| WESTERN ASSET CORE BOND FUND |
| RELIANCE METLIFE STABLE VALUE FUND |
Investment model portfolios
We provide two types of investment model portfolios for DISTRIBUTION SERVICES 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 DISTRIBUTION SERVICES RETIREMENT PLAN