Investment options of KERING AMERICAS, INC. RETIREMENT AND SAVINGS PLAN
Total Available Funds: 27
| Investment Description |
|---|
| TRANSAMERICA LIFE INSURANCE COMPANY STABLE VALUE STRATEGY |
| T.ROWE PRICE T.ROWE PRICE RETRMNT 2055 ADV |
| T.ROWE PRICE T.ROWE PRICE RETRMNT 2050 ADV |
| T.ROWE PRICE T.ROWE PRICE RETRMNT 2045 ADV |
| T.ROWE PRICE T.ROWE PRICE RETRMNT 2040 ADV |
| T.ROWE PRICE T.ROWE PRICE RETRMNT 2035 ADV |
| T.ROWE PRICE T.ROWE PRICE RETRMNT 2030 ADV |
| TRANSAMERICA CAPITAL, INC. TRANSAMERICA US GROWTH I |
| TRANSAMERICA CAPITAL, INC. TRANSAMERICA STOCK INDEX R4 |
| JPMORGAN JPMORGAN EQUITY INC R6 |
| COLUMBIA COLUMBIA CONTRARIAN CORE INST |
| AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC GR R3 |
| TRANSAMERICA CAPITAL, INC. TRANSAMERICAN GOVT MONEY MARKET R4 |
| DIMENSIONAL DFA US SMALL CAP I |
| TRANSAMERICA CAPITAL, INC. TRANSAMERICA MID CAP VALUE OPP R4 |
| LEGG MASON/WESTERN ASSET WESTERN ASSET CORE BOND IS |
| BARON BARON ASSET RETAIL |
| FIDELITY FIDELITY INTERNATIONAL INDEX |
| TRANSAMERICA CAPITAL, INC. TRANSAMERICA HIGH YIELD BOND R4 |
| CALVERT CALVERT US LG CAP CORE RSPND IDX R6 |
| FIDELITY FIDELITY MID CAP INDEX |
| AMERICAN CENTURY AMERICAN CENTURY INF-ADJ BOND INV |
| T.ROWE PRICE T.ROWE PRICE RETRMNT 2010 ADV |
| T.ROWE PRICE T.ROWE PRICE RETRMNT 2015 ADV |
| FIDELITY FIDELITY US BOND INDEX |
| T.ROWE PRICE T.ROWE PRICE RETMENT BALANCED ADV |
| CHARLES SCHWAB INSTL PERSONAL CHOICE RETIRE |
Investment model portfolios
We provide two types of investment model portfolios for KERING AMERICAS, INC. RETIREMENT AND 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 KERING AMERICAS, INC. RETIREMENT AND SAVINGS PLAN