Investment options of EMPLOYEE RETIREMENT PLAN
Total Available Funds: 31
| Investment Option List |
|---|
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| ISHARES RUSSELL 2000 SM CAP A (BDBPX) |
| MFS TECHNOLOGY FUND – R4 (MTCJX) |
| T.ROWE PRICE RETIREMENT 2040-R (TRRDX) |
| T.ROWE PRICE RETIREMENT 2030-R (TRRCX) |
| T. ROWE PRICE RETIREMENT 2065 (PASUX) |
| PIMCO INCOME FUND – A (PFIIX) |
| T.ROWE PRICE RETIREMENT 2025-R (TRRHX) |
| T.ROWE PRICE RETIREMENT 2020-R (TRRBX) |
| PIMCO STOCKSPLUS INTL A |
| AMC SMALL CAP GROWTH – INV (PSCGX) |
| JPMORGAN US EQUITY – A (JHTRX) |
| JPMORGAN LARGE CAP VALUE R4 (JTVAX) |
| VICTORY ESTABLISHED VALUE R (GETGX) |
| VANGUARD MATERIALS INDEX ADM (VAARX) |
| ISHARES S&P 500 INDEX A (BSPPX) |
| T.ROWE PRICE RETIREMENT 2035-R (TRRJX) |
| ISHARES RUSSELL MIDCAP INDEX A (CIETX) |
| PRI REAL EST SEC R5 |
| ISHARES MSCI EAFE INTL INDEX A (BTMGX) |
| MFS MID CAP GROWTH FUND R3 (OTCHX) |
| T.ROWE PRICE RETIREMENT 2060-R (TRPLX) |
| T.ROWE PRICE RETIREMENT 2045-R (TRRKX) |
| AMERICAN FUNDS NEW WRLD – R4 (HVWBX) |
| T.ROWE PRICE RETIREMENT 2055-R (TRRNX) |
| T.ROWE PRICE RETIREMENT 2050-R (TRRMX) |
| JANUS HENDERSON BALANCED – S (PFJHX) |
| T.ROWE PRICE RETIREMENT 2015-R (TRRGX) |
| AMERICAN CENTURY ULTRA – INV (ACYVX) |
| FEDERATED CAP PRESERVATION – R |
Investment model portfolios
We provide two types of investment model portfolios for EMPLOYEE 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 EMPLOYEE RETIREMENT PLAN