Investment options of IRC 403(B) RETIREMENT SAVINGS PLAN
Total Available Funds: 58
| Investment Description |
|---|
| T. Rowe Price Funds T. Rowe Price Retirement 2050 Fund I |
| T. Rowe Price Funds T. Rowe Price Retirement 2045 Fund I |
| Fidelity Investments Fidelity 500 Index |
| T. Rowe Price Funds T. Rowe Price Retirement 2055 Fund I |
| T. Rowe Price Funds T. Rowe Price Retirement 2035 Fund I |
| T. Rowe Price Funds T. Rowe Price Retirement 2040 Fund I |
| T. Rowe Price Funds T. Rowe Price Retirement 2060 Fund I |
| T. Rowe Price Funds T. Rowe Price Retirement 2030 Fund I |
| Principal Funds Inc. Principal Largecap Growth I R6 |
| Fidelity Investments Fidelity Small Cap Discovery |
| Fidelity Investments Fidelity Mid Cap Index |
| MFS Investment Management MFS Value R6 |
| T. Rowe Price Funds T. Rowe Price Retirement 2025 Fund I |
| T. Rowe Price Funds T. Rowe Price Retirement 2065 Fund I |
| Calvert Funds Calvert Balanced I |
| American Funds Service Company American Funds Europacific |
| Fidelity Investments Fidelity US Bond Index |
| Fidelity Investments Fidelity Global Ex US Index |
| Principal Funds Inc. Principal Diversified International Inst |
| American Century Investments American Century Small Cap Value R6 |
| Buffalo Funds Buffalo Mid Cap Discovery |
| Lord Abbett High Yield R6 |
| T. Rowe Price Funds T. Rowe Price Retirement 2020 Fund I |
| T. Rowe Price Funds T. Rowe Price Retirement 2015 Fund I |
| Principal Funds Inc. Principal Midcap value I Inst |
| Oppenheimer Invesco Developing Markets R6 |
| Harbor Harbor Small Cap Growth Retirement |
| 1TRUBX 1,398,328.87 |
| 1TRDBX 1,796,741.20 |
| 1TREHX 5,232,322.64 |
| 1TRFHX 10,382,633.00 |
| 1TRFJX 17,044,293.69 |
| 1TRHDX 14,499,758.29 |
| 1TRIKX 28,219,146.99 |
| 1TRJLX 32,936,999.72 |
| 1TRJMX 21,513,858.07 |
| 1TRLNX 14,351,636.54 |
| 1TRMOX 4,747,201.06 |
| 1RERGX 3,832,154.35 |
| 1FSGGX 2,526,706.98 |
| 1ODVIX 1,208,989.41 |
| 1PIIIX 2,646,088.85 |
| 1RRESX 1,485,181.92 |
| 1ASVDX 2,149,887.21 |
| 1FSSNX 5,846,465.85 |
| 1HNSGX 869,049.23 |
| 1BUFTX 2,385,411.61 |
| 1FSMDX 5,260,128.59 |
| 1PVMIX 1,446,146.43 |
| 1FXAIX 19,279,783.66 |
| 1MEIKX 5,786,411.66 |
| 1PLCGX 10,560,677.53 |
| 1CBAIX 3,396,050.76 |
| 1FXNAX 2,778,673.70 |
| 1LHYVX 2,119,910.27 |
| 1MRBKX 5,079,137.78 |
| 1P1220A 8,041,979.89 |
| FORFEITURES 342,345.54 |
Investment model portfolios
We provide two types of investment model portfolios for IRC 403(B) RETIREMENT SAVINGS 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 IRC 403(B) RETIREMENT SAVINGS PLAN