Investment options of ELECTRIC RELIABILITY COUNCIL OF TEXAS 401(K) SAVINGS PLAN
Total Available Funds: 30
| Investment Description |
|---|
| FIDELITY INVESTMENTS FIDELITY CONTRAFUND K6 |
| FIDELITY INVESTMENTS FIDELITY 500 INDEX FUND |
| FIDELITY INVESTMENTS FIDELITY EXTENDED MARKET INDEX FUND |
| FIDELITY INVESTMENTS FIDELITY GOVERNMENT INCOME FUND |
| T. ROWE PRICE T. ROWE PRICE QM U. S. SMALL-CAP GROWTH EQUITY FUND I CLASS |
| T. ROWE PRICE T. ROWE PRICE SMALL-CAP VALUE FUND I CLASS |
| PGIM PGIM JENNISON MID-CAP GROWTH FUND CLASS R6 |
| BLACKROCK BLACKROCK EQUITY DIVIDEND FUND INSTITUTIONAL SHARES |
| MFS MFS INTERNATIONAL GROWTH FUND CLASS R6 |
| VANGUARD VANGUARD TOTAL BOND MARKET INDEX FUND INSTITUTIONAL CLASS |
| VANGUARD VANGUARD DEVELOPED MARKETS INDEX FUND INVESTOR CLASS |
| VANGUARD VANGUARD INFLATION-PROTECTED SECURITIES FUND ADMIRAL SHARES |
| AMERICAN CENTURY INVESTMENTS AMERICAN CENTURY MID-CAP VALUE FUND CLASS R6 |
| INVESCO INVESCO OPPENHEIMER DEVELOPING MARKETS FUND CLASS R6 |
| FRANKLIN TEMPLETON INVESTMENTS WESTERN ASSET CORE BOND FUND CLASS I |
| COHEN & STEERS COHEN & STEERS REAL ESTATE SECURITIES FUND, INC. CLASS INST. |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RETIREMENT 2005 FUND F CLASS |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RETIREMENT 2010 FUND F CLASS |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RETIREMENT 2015 FUND F CLASS |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RETIREMENT 2020 FUND F CLASS |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RETIREMENT 2025 FUND F CLASS |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RETIREMENT 2030 FUND F CLASS |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RETIREMENT 2035 FUND F CLASS |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RETIREMENT 2040 FUND F CLASS |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RETIREMENT 2045 FUND F CLASS |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RETIREMENT 2050 FUND F CLASS |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RETIREMENT 2055 FUND F CLASS |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RETIREMENT 2060 FUND F CLASS |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RETIREMENT BALANCED TRUST CLASS F |
| WELLS FARGO BANK, N. A. GALLIARD STABLE RETURN FUND C |
Investment model portfolios
We provide two types of investment model portfolios for ELECTRIC RELIABILITY COUNCIL OF TEXAS 401(K) 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 ELECTRIC RELIABILITY COUNCIL OF TEXAS 401(K) SAVINGS PLAN