Investment options of FOSTER THOMAS RETIREMENT PLAN
Total Available Funds: 51
| Investment Description |
|---|
| #52-1826441 Plan |
| Participants loan 4.25% – 9.50% – $0 – |
| Transamerica Life Ins Co AB Intl Val Inv Opt |
| Transamerica Life Ins Co AllSpring Small Cap Val Inv Opt |
| Transamerica Life Ins Co American Fds EuroPacific Gr Ret Opt |
| Transamerica Life Ins Co American Century Heritage Inv Opt |
| Transamerica Life Ins Co American Century Lg Co Val Inv Opt |
| Transamerica Life Ins Co American Funds AMCAP Inv Opt |
| Transamerica Life Ins Co American Funds Balanced Inv Opt |
| Transamerica Life Ins Co Amer Fds New Perspective Inv |
| Transamerica Life Ins Co American Fds SMALLCAP World Ret Opt |
| Transamerica Life Ins Co Calvert Eq Inv Opt |
| Transamerica Life Ins Co Columbia Mid Cap Val Inv Opt |
| Transamerica Life Ins Co Fidelity Adv Small Cap Inv Opt |
| Transamerica Life Ins Co Franklin Mtl Financial Svcs Inv Opt |
| Transamerica Life Ins Co Franklin Small Cap Val Ret Opt |
| Transamerica Life Ins Co Goldman Sachs Mid Cap Val Ret Opt |
| Transamerica Life Ins Co Invesco American Franchise Inv Opt |
| Transamerica Life Ins Co Invesco Glbl Ret Opt |
| Transamerica Life Ins Co Invesco Intl Bd Ret Opt |
| Transamerica Life Ins Co Invesco Intl Gr Ret Opt |
| Transamerica Life Ins Co Invesco Main Street Inv Opt |
| Transamerica Life Ins Co Invesco Main Street Mid Cap Ret Opt |
| Transamerica Life Ins Co Janus Forty Ret Opt |
| Transamerica Life Ins Co JPMorgan Core Bd Ret Opt |
| Transamerica Life Ins Co Loomis Sayles Bd Ret Opt |
| Transamerica Life Ins Co Franklin Mtl Shares Inv Opt |
| Transamerica Life Ins Co Neuberger Berman Lg Cap Val Inv Opt |
| Transamerica Life Ins Co Pioneer Bd Ret Opt |
| Transamerica Life Ins Co Pioneer Disciplined Val Inv Opt |
| Transamerica Life Ins Co State Street Emerg Mkt Idx Ret Opt |
| Transamerica Life Ins Co State Street Russell Lg cp Gr Idx |
| Transamerica Life Ins Co State Street Russell Lg cp Val Idx |
| Transamerica Life Ins Co State Street Russell Sm cp Idx Opt |
| Transamerica Life Ins Co State Street Russell Sm cp Val Idx |
| Transamerica Life Ins Co State Street S&P Md cp Idx Ret Opt |
| Transamerica Life Ins Co State Street U.S. Bd Idx Ret Opt |
| Transamerica Life Ins Co Thornburg Core Gr Ret Opt |
| Transamerica Life Ins Co Transamer asst allc-Gr Prtf Rt Opt |
| Transamerica Life Ins Co Transamerica Ptnr Core Bd Rt Opt II |
| Transamerica Life Ins Co Transamerica Intl Gr Ret Opt |
| Transamerica Life Ins Co Transamerica LG 2035 BlackRock |
| Transamerica Life Ins Co Transamerica LG 2040 BlackRock |
| Transamerica Life Ins Co Transamerica LG 2045 BlackRock |
| Transamerica Life Ins Co Transamerica LG 2050 BlackRock |
| Transamerica Life Ins Co Transamerica LG 2055 BlackRock |
| Transamerica Life Ins Co Transamerica Ptnr Md Val Rt Opt |
| Transamerica Life Ins Co Transamerica Mid-Cap Gr Ret Opt |
| Transamerica Life Ins Co Transamerica Ptnr High Yield Bd |
| Transamerica Life Ins Co Transamerica Ptnr Stock Idx Rt Opt |
| Transamerica Life Ins Co WMC Disciplined US Gr Ret Opt |
Investment model portfolios
We provide two types of investment model portfolios for FOSTER THOMAS 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 FOSTER THOMAS RETIREMENT PLAN