Investment options of FORMULATED SOLUTIONS 401(K) PLAN
Total Available Funds: 54
| Investment Description |
|---|
| Empower American Funds 2025 Trgt Date Retire R6 |
| Empower American Funds 2030 Trgt Date Retire R6 |
| Empower American Funds 2045 Trgt Date Retire R6 |
| Empower American Funds 2040 Trgt Date Retire R6 |
| Empower American Funds 2055 Trgt Date Retire R6 |
| Empower American Funds 2035 Trgt Date Retire R6 |
| Empower Vanguard 500 Index Admiral |
| Empower MassMutual Blue Chip Growth I |
| Empower American Funds Washington Mutual R6 |
| Empower American Funds 2060 Trgt Date Retire R6 |
| Empower American Funds 2050 Trgt Date Retire R6 |
| Empower Vanguard Small Cap Index Adm |
| Empower American Funds American Balanced R6 |
| Empower MassMutual Mid Cap Growth I |
| Empower American Funds New World R6 |
| Empower Allspring Special Mid Cap Value R6 |
| Empower PIMCO Income Instl |
| Empower Invesco International Diversified R6 |
| Empower MassMutual High Yield I |
| Empower American Funds Capital World Gr&Inc R6 |
| Empower Vanguard Mid Cap Index Admiral |
| Empower Invesco Small Cap Growth R6 |
| Empower Allspring Special Small Cap Value R6 |
| Empower American Funds 2020 Trgt Date Retire R6 |
| MassMutual General Account – |
| 1RRCTX 9,971.36 |
| 1RFDTX 1,485,689.28 |
| 1RFETX 1,278,653.35 |
| 1RFFTX 801,797.18 |
| 1RFGTX 935,672.46 |
| 1RFHTX 1,034,481.77 |
| 1RFITX 407,765.15 |
| 1RFKTX 813,506.51 |
| 1RFUTX 406,041.65 |
| 1RWIGX 100,435.15 |
| 1RNWGX 209,339.40 |
| 1OIDIX 199,219.15 |
| 1VTIAX 167,973.70 |
| 1GTSFX 78,324.65 |
| 1VSMAX 241,738.81 |
| 1ESPRX 74,803.66 |
| 1MEFZX 180,305.10 |
| 1VIMAX 80,788.40 |
| 1WFPRX 184,617.34 |
| 1RWMGX 506,590.15 |
| 1MBCZX 543,781.57 |
| 1VFIAX 662,215.31 |
| 1RLBGX 189,401.97 |
| 1FBKWX 166,803.82 |
| 1MPHZX 176,453.38 |
| 1PIMIX 192,483.04 |
| 1VBTLX 178,958.04 |
| 1MHPJA1 2.800 477,801.51 |
| FORFEITURES 4,371.33 |
Investment model portfolios
We provide two types of investment model portfolios for FORMULATED SOLUTIONS 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 FORMULATED SOLUTIONS 401(K) PLAN