Investment options of FISH & RICHARDSON ASSOCIATES' 401(K) PLAN
Total Available Funds: 25
| Investment Description |
|---|
| VANGUARD INSTITUTIONAL INDEX FUND |
| VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND |
| VANGUARD TOTAL BOND MARKET INDEX FUND |
| VANGUARD MID CAP INDEX FUND |
| VANGUARD SMALL CAP INDEX FUND |
| DODGE & COX STOCK FUND |
| NEW YORK LIFE MAINSTAY LARGE CAP GROWTH FUND |
| VANGUARD INFLATION-PROTECTED SECURITIES FUND |
| ARTISAN PARTNERS MID CAP FUND |
| BROWN CAPITAL MANAGEMENT SMALL COMPANY FUND |
| JP MORGAN MID CAP VALUE FUND |
| ARTISAN PARTNERS INTERNATIONAL FUND |
| CALAMOS GROWTH AND INCOME FUND |
| DELAWARE GROUP EQUITY FUNDS DELAWARE SMALL CAP VALUE R6 FUND |
| VANGUARD INTERNATIONAL VALUE FUND |
| VANGUARD REIT INDEX FUND |
| PGIM TCW TOTAL RETURN BOND FUND |
| VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES INDEX FUND |
| PIMCO HIGH YIELD BOND FUND |
| VANGUARD EMERGING MARKETS STOCK INDEX FUND |
| VANGUARD VALUE INDEX FD ADMIRAL |
| CHARLES SCHWAB FUNDAMENTAL INTERNATIONAL SMALL COMPANY INDEX FUND |
| VANGUARD TOTAL INTERNATIONAL BOND INDEX FUND |
| VANGUARD GROWTH INDEX FD ADMIRAL |
| GALLIARD STABLE RETURN FUND C |
Investment model portfolios
We provide two types of investment model portfolios for FISH & RICHARDSON ASSOCIATES' 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 FISH & RICHARDSON ASSOCIATES' 401(K) PLAN