Investment options of FORELAND REFINING CORPORATION 401(K) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| AMERICAN CENTURY SELECT FUND R6 |
| AMERICAN FUNDS 2040 TARGET DATE RETIRE R6 |
| AMERICAN FUNDS 2045 TARGET DATE RETIRE R6 |
| AMERICAN FUNDS 2050 TRGT DATE RETIRE R6 |
| AMERICAN FUNDS 2055 TRGT DATE RETIRE R6 |
| AMERICAN FUNDS AMCAP FUND CLASS R6 |
| AMERICAN FUNDS AMERICAN BALANCES R6 |
| AMERICAN FUNDS GROWTH FUND OF AMERICA R6 |
| AMERICAN FUNDS NEW WORLD FUND CLASS R6 |
| DELAWARE SMALL CAP VALUE INSTL |
| EATON VANCE ATLANTA CAPITAL SMID-CAP I |
| FEDERATED MONEY MARKET FUND |
| FEDERATED STRATEGIC VALUE DIVIDEND INSTITUATIONAL |
| FEDERATED INSTITUTIONAL HIGH YIELD BOND |
| GOLDMAN SACHS SMALL CAP VALUE INSTL |
| JPMORGAN SMALL CAP EQUITY R5 |
| LORD ABBETT INTERNATIONAL OPPORTUNITES FUND CLASS R5 |
| NATIONWIDE FIXED SELECT CONTRACTS |
| NATIONWIDE INTERNATIONAL INDEX R6 |
| NATIONWIDE INV DEST AGGRESSIVE R6 |
| NATIONWIDE INVESTMENT DEST CONSERVATIVE R6 |
| NATIONWIDE INVESTMENT DEST MOD AGGRESSIVE R6 |
| NATIONWIDE INVESTMENT DEST MOD R6 |
| NATIONWIDE MID CAP MARKET INEX R6 |
| NATIONWIDE S&P 500 INDEX R6 |
| PIMCO HIGH YIELD INSTL |
| PIMCO INCOME INSTATUTIONAL |
| RYDEX NASDAQ-100 H |
| VANGUARD ENERGY ADM |
| VANGUARD REAL ESTATE INDEX ADMIRAL |
Investment model portfolios
We provide two types of investment model portfolios for FORELAND REFINING CORPORATION 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 FORELAND REFINING CORPORATION 401(K) PLAN