Investment options of FRM 401(K) RETIREMENT PLAN
Total Available Funds: 28
| Investment Option List |
|---|
| Baron Baron Growth (IBGIX) |
| Loomis Loomis Small Cap Value R (LSSCX) |
| Ariel Ariel Fund |
| Principal SmallCap S&P 600 R5 (PSSIX) |
| Fidelity Equity Income (FEQIX) |
| Fidelity Growth Company (FDGFX) |
| Fidelity Intermediate Bond (FIBAX) |
| Fidelity Overseas (FOSFX) |
| Fidelity Asset Manager (FTANX) |
| Fidelity Low Priced Stock (FLPSX) |
| Fidelity Freedom 2010 K6 (FFFCX) |
| Fidelity Freedom 2020 K6 (FFFDX) |
| Fidelity Freedom 2030 K6 (FFFEX) |
| Fidelity Freedom 2040 K6 (FFFFX) |
| Fidelity Freedom 2015 K6 (FFVFX) |
| Fidelity Freedom 2025 K6 (FFTWX) |
| Fidelity Freedom 2035 K6 (FFTHX) |
| Fidelity Freedom 2045 K6 (FFFGX) |
| Fidelity Freedom 2050 K6 (FFFHX) |
| Fidelity Freedom 2055 K6 (FDEWX) |
| Fidelity Freedom 2060 K6 (FDKNX) |
| Fidelity Freedom 2065 K6 (FAXDX) |
| Fidelity 500 Index (FUSEX) |
| Fidelity Extended Market Index (FSEMX) |
| Fidelity Freedom Inc K6 (FFFAX) |
| Pimco Real Return Bond (IPCSX) |
| Federated Hermes Opportunistic High Yield Bond (FIHAX) |
| Rates at 6.50% to 8.50% – |
Investment model portfolios
We provide two types of investment model portfolios for FRM 401(K) 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 FRM 401(K) RETIREMENT PLAN