Investment options of FOUNDATION RISK PARTNERS 401(K) PLAN
Total Available Funds: 28
| Investment Option List |
|---|
| Dodge & Cox DODGE & COX INCOME I (DODIX) |
| Fidelity Investments FID GOVT MMKT |
| Fidelity Investments FID BALANCED K (FGBLX) |
| Fidelity Investments FID US BOND IDX (HMBDX) |
| Fidelity Investments FID 500 INDEX (FUSEX) |
| Fidelity Investments FID SM CAP IDX |
| Fidelity Investments FID INTL INDEX |
| JPM JPM MIDCAP VALUE L (PVMIX) |
| JPM JPM LG CAP GROWTH R6 |
| Lazard LZRD INTL STR EQ IS |
| MFS MID CAP GRTH R6 (MCVIX) |
| PIMCO INCOME INST (PFLEX) |
| PIMCO REAL RETURN INST (PRLPX) |
| T. Rowe Price TRP RETIRE I BAL I (TRRFX) |
| T. Rowe Price TRP RETIRE I 2010 I (TRRAX) |
| T. Rowe Price TRP RETIRE I 2015 I (TRRGX) |
| T. Rowe Price TRP RETIRE I 2020 I (TRRBX) |
| T. Rowe Price TRP RETIRE I 2025 I (TRRHX) |
| T. Rowe Price TRP RETIRE I 2030 I (TRRCX) |
| T. Rowe Price TRP RETIRE I 2035 I (TRRJX) |
| T. Rowe Price TRP RETIRE I 2040 I (TRRDX) |
| T. Rowe Price TRP RETIRE I 2045 I (TRRKX) |
| T. Rowe Price TRP RETIRE I 2050 I (TRRMX) |
| T. Rowe Price TRP RETIRE I 2055 I (TRRNX) |
| T. Rowe Price TRP OVERSEAS STOCK I (TROSX) |
| Vanguard VANG WINDSOR II ADM (VWNFX) |
| Vanguard VANG MIDCAP IDX ADM |
| Rates from 3.25% to 9.50% – |
Investment model portfolios
We provide two types of investment model portfolios for FOUNDATION RISK PARTNERS 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 FOUNDATION RISK PARTNERS 401(K) PLAN