Investment options of NORMA GROUP USA RETIREMENT SAVINGS PLAN
Total Available Funds: 33
| Investment Description |
|---|
| MUTUAL FUND AF EUROPAC GROWTH R6 |
| MUTUAL FUND AF TARGET DATE 2010 R6 |
| MUTUAL FUND AF TARGET DATE 2015 R6 |
| MUTUAL FUND AF TARGET DATE 2020 R6 |
| MUTUAL FUND AF TARGET DATE 2025 R6 |
| MUTUAL FUND AF TARGET DATE 2030 R6 |
| MUTUAL FUND AF TARGET DATE 2035 R6 |
| MUTUAL FUND AF TARGET DATE 2040 R6 |
| MUTUAL FUND AF TARGET DATE 2045 R6 |
| MUTUAL FUND AF TARGET DATE 2050 R6 |
| MUTUAL FUND AF TARGET DATE 2055 R6 |
| MUTUAL FUND AF TARGET DATE 2060 R6 |
| MUTUAL FUND AF TARGET DATE 2065 R6 |
| MUTUAL FUND BLKRK INFL PRO BD K |
| MUTUAL FUND C&S INST REALTY SHS |
| MUTUAL FUND DODGE & COX INCOME |
| MUTUAL FUND DODGE & COX INTL STK |
| MUTUAL FUND FH GOVT OBS PRM |
| MUTUAL FUND FID 500 IDX |
| MUTUAL FUND FID EXTD MKT IDX |
| MUTUAL FUND FID GOVT MMKT K6 |
| MUTUAL FUND FID TOTAL INTL IDX |
| MUTUAL FUND FID US BOND IDX |
| MUTUAL FUND INVS DEVELOP MKT R6 |
| MUTUAL FUND MFS VALUE R6 |
| MUTUAL FUND PIF SH TERM INC INST |
| MUTUAL FUND PIMCO INCOME INST |
| MUTUAL FUND VICTORY S EST VAL R6 |
| COLLECTIVE TRUST FUND AC SMALL CAP VALUE |
| COLLECTIVE TRUST FUND LARGE CAP GROWTH II R1 |
| COLLECTIVE TRUST FUND MID CAP GROWTH R1 |
| COLLECTIVE TRUST FUND WT VICTORY SM CP GR |
| SELF-DIRECTED BROKERAGE ACCOUNT BROKERAGELINK |
Investment model portfolios
We provide two types of investment model portfolios for NORMA GROUP USA 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 NORMA GROUP USA RETIREMENT SAVINGS PLAN