Investment options of NMR 401K PLAN
Total Available Funds: 34
| Investment Description |
|---|
| CAPITAL GROUP FINANCIAL SERVICES AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R6 |
| BLACKROCK INC. BLACKROCK EAFE EQUITY INDEX FUND CLASS 1 |
| BLACKROCK INC. BLACKROCK EQUITY INDEX FUND CLASS 1 |
| BLACKROCK INC. BLACKROCK U. S. DEBT INDEX FUND CLASS 1 |
| BLACKROCK INC. BLACKROCK HIGH YIELD BOND PORTFOLIO CLASS K |
| WILMINGTON TRUST N. A. CORE PLUS BOND FUND FEE CLASS I1 |
| FIDELITY INVESTMENTS FIDELITY BROKERAGE LINK |
| FIDELITY INVESTMENTS FIDELITY INFLATION-PROTECTED BOND INDEX FUND |
| FIDELITY INVESTMENTS FIDELITY MID CAP INDEX FUND |
| FIDELITY INVESTMENTS FIDELITY SMALL CAP INDEX FUND |
| WILMINGTON TRUST N. A. FLEXPATH INDEX+ MODERATE 2025 FUND I1 |
| WILMINGTON TRUST N. A. FLEXPATH INDEX+ AGGRESSIVE 2025 FUND I1 |
| WILMINGTON TRUST N. A. FLEXPATH INDEX+ AGGRESSIVE 2035 FUND I1 |
| WILMINGTON TRUST N. A. FLEXPATH INDEX+ AGGRESSIVE 2045 FUND I1 |
| WILMINGTON TRUST N. A. FLEXPATH INDEX+ AGGRESSIVE 2055 FUND I1 |
| WILMINGTON TRUST N. A. FLEXPATH INDEX+ CONSERVATIVE 2025 FUND I1 |
| WILMINGTON TRUST N. A. FLEXPATH INDEX+ CONSERVATIVE 2035 FUND I1 |
| WILMINGTON TRUST N. A. FLEXPATH INDEX+ CONSERVATIVE 2045 FUND I1 |
| WILMINGTON TRUST N. A. FLEXPATH INDEX+ CONSERVATIVE 2055 FUND I1 |
| WILMINGTON TRUST N. A. FLEXPATH INDEX+ MODERATE 2035 FUND I1 |
| WILMINGTON TRUST N. A. FLEXPATH INDEX+ MODERATE 2045 FUND I1 |
| WILMINGTON TRUST N. A. FLEXPATH INDEX+ MODERATE 2055 FUND I1 |
| WILMINGTON TRUST N. A. FLEXPATH INDEX+ MODERATE RETIREMENT FUND I1 |
| JPMORGAN CHASE & CO. JPMORGAN EQUITY INCOME FUND CLASS R6 |
| JPMORGAN CHASE & CO. JPMORGAN MID CAP GROWTH FUND CLASS R6 |
| WILMINGTON TRUST N. A. LARGE CAP GROWTH FUND II FEE CLASS I1 |
| MASSACHUSETTS FINANCIAL SERVICES COMPANY MFS MID CAP VALUE R6 FUND |
| PRINCIPAL GLOBAL INVESTORS TRUST CO. MORLEY STABLE VALUE FUND |
| WILMINGTON TRUST N. A. EMERGING MARKETS FUND CLASS I1 |
| WILMINGTON TRUST N. A. STABLE VALUE FUND FEE CLASS I1 |
| PACIFIC INVESTMENT MANAGEMENT CO. PIMCO INCOME FUND INSTITUTIONAL CLASS |
| PRINCIPAL FUNDS, INC. PRINCIPAL REAL ESTATE SECURITIES FUND CLASS R6 |
| VICTORY CAPITAL MANAGEMENT INC. SMALL CAP FUND CLASS I1 |
| WILMINGTON TRUST N. A. SMALL CAP VALUE FUND II FEE CLASS I1 |
Investment model portfolios
We provide two types of investment model portfolios for NMR 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 NMR 401K PLAN