Investment options of MMPS RETIREMENT PLAN
Total Available Funds: 31
| Investment Description |
|---|
| THE AMERICAN FUNDS AMERICAN FUNDS NEWWORLD R6 |
| DIMENSIONAL FUND ADVISORS DFA EMERG MRKTS SMALL CAP I FD |
| DIMENSIONAL FUND ADVISORS DFA GLOBAL REAL ESTATE SC I FD |
| DIMENSIONAL FUND ADVISORS DFA INTERNATIONAL VALUE I FUND |
| DIMENSIONAL FUND ADVISORS DFA INTER GOV FIXED INC I FD |
| DIMENSIONAL FUND ADVISORS DFA US LARGE CAP VALUE I FD |
| FEDERATED SECURITIES CORP FED HMS OPP HIYLD BOND SERVICE |
| FIDELITY FIDELITY GROWTH DISCOVERY |
| FIDELITY FIDELITY MEGA CAP STOCK FUND |
| INVESCO FUNDS GROUP, INC INVESCO DIVERS DIVIDEND Y FUND |
| LOOMIS SAYLES LOOMIS SAYLES STRAT INC N FUND |
| LORD ABBETT LORD ABBETT SHT DRTN INC I FND |
| NUVEEN NUVEEN PRFRD SEC & INC. I FD |
| PRINCIPAL PRIN GLOBAL RE SECS INST FUND |
| PRINCIPAL PRIN REAL ESTATE SECS INST FD |
| PUTNAM INVESTMENTS PUTNAM DIV INCOME Y FUND |
| T. ROWE PRICE FUNDS T. ROWE PRICE RTMT BAL FUND |
| T. ROWE PRICE FUNDS T. ROWE PRICE TARGET 2020 FUND |
| T. ROWE PRICE FUNDS T. ROWE PRICE TARGET 2025 FUND |
| T. ROWE PRICE FUNDS T. ROWE PRICE TARGET 2030 FUND |
| T. ROWE PRICE FUNDS T. ROWE PRICE TARGET 2035 FUND |
| T. ROWE PRICE FUNDS T. ROWE PRICE TARGET 2040 FUND |
| T. ROWE PRICE FUNDS T. ROWE PRICE TARGET 2045 FUND |
| T. ROWE PRICE FUNDS T. ROWE PRICE TARGET 2050 FUND |
| T. ROWE PRICE FUNDS T. ROWE PRICE TARGET 2055 FUND |
| T. ROWE PRICE FUNDS T. ROWE PRICE TARGET 2060 FUND |
| T. ROWE PRICE FUNDS T. ROWE PRICE TARGET 2065 FUND |
| T. ROWE PRICE FUNDS T. ROWE PRICE BL CHIP GR FD |
| VANGUARD GROUP VANGUARD EMG MK STK IDX ADM FD |
| VANGUARD GROUP VANGUARD GROWTH INDEX ADM FD |
| VANGUARD GROUP VANGUARD MID CAP INDEX ADM FD |
Investment model portfolios
We provide two types of investment model portfolios for MMPS 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 MMPS RETIREMENT PLAN