Investment options of FREEDOMREWARDS 401K PLAN
Total Available Funds: 52
| Investment Description |
|---|
| Great Gray MFS Large Value Class MSG # |
| State Street* Global All Cap Ex US Index Class II # |
| State Street* Russell Small/Mid Cap Index II # |
| State Street* S&P 500 Index Class II # |
| State Street* U.S. Bond Index Class XIV # |
| State Street* US Inflation Protected Bond Index II # |
| T. Rowe Price Retirement Blend 2005 Trust G # |
| T. Rowe Price Retirement Blend 2010 Trust G # |
| T. Rowe Price Retirement Blend 2015 Trust G # |
| T. Rowe Price Retirement Blend 2020 Trust G # |
| T. Rowe Price Retirement Blend 2025 Trust G # |
| T. Rowe Price Retirement Blend 2030 Trust G # |
| T. Rowe Price Retirement Blend 2035 Trust G # |
| T. Rowe Price Retirement Blend 2040 Trust G # |
| T. Rowe Price Retirement Blend 2045 Trust G # |
| T. Rowe Price Retirement Blend 2050 Trust G # |
| T. Rowe Price Retirement Blend 2055 Trust G # |
| T. Rowe Price Retirement Blend 2060 Trust G # |
| T. Rowe Price Retirement Blend 2065 Trust G # |
| American Beacon Small Cap Value R6 # |
| American Funds EuroPacific Growth R6 # |
| Blackrock High Yield Bond K # |
| Dodge & Cox Dodge & Cox Inc X # |
| Fidelity Contrafund K6 # |
| Fidelity International Bond Index # |
| Hood River Small-Cap Growth Retirement # |
| Various Personal Choice Retirement Account # |
| and maturity dates through 2033 # |
| Charles Schwab Instl Personal Choice Retment Account |
| NYL New York Life Anchor |
| American Beacon American Beacon Small Cap Val R6 |
| American Funds EuroPacific Gr R6 |
| Dodge & Cox Dodge & Cox Inc X |
| Fidelity Contrafund K6 |
| Hood River Hood River Small-Cap Gr Retment |
| Great Gray MFS Large Value Class MSG |
| State Street State St Gl All cp Ex US Idx Cl II |
| State Street State St Russell Sm/Md cp Idx II |
| State Street S&P 500 Idx Class II |
| State Street U.S. Bd Idx Cl XIV |
| T. Rowe Price T Rowe Price Stable Val A |
| T. Rowe Price Retirement Blend 2015 Trust G |
| T. Rowe Price Retirement Blend 2020 Trust G |
| T. Rowe Price Retirement Blend 2025 Trust G |
| T. Rowe Price Retirement Blend 2030 Trust G |
| T. Rowe Price Retirement Blend 2035 Trust G |
| T. Rowe Price Retirement Blend 2040 Trust G |
| T. Rowe Price Retirement Blend 2045 Trust G |
| T. Rowe Price Retirement Blend 2050 Trust G |
| T. Rowe Price Retirement Blend 2055 Trust G |
| T. Rowe Price Retirement Blend 2060 Trust G |
| T. Rowe Price Retirement Blend 2065 Trust G |
Investment model portfolios
We provide two types of investment model portfolios for FREEDOMREWARDS 401K 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 FREEDOMREWARDS 401K PLAN