Investment options of OPEN ROAD 401(K) PLAN
Total Available Funds: 39
| Investment Description |
|---|
| American Century Equity Growth Fund Adv. |
| American Funds 2020 Target Fund |
| American Funds 2025 Target Fund |
| American Funds 2030 Target Fund |
| American Funds 2035 Target Fund |
| American Funds 2040 Target Fund |
| American Funds 2045 Target Fund |
| American Funds 2050 Target Fund |
| American Funds 2055 Target Fund |
| BNY Mellon Small Mid Cap Growth A GM |
| BNY Mellon Small Mid Cap Growth A |
| Clearbridge International Value Class A GM |
| Clearbridge International Value Class A |
| Delaware Small Cap Core A GM |
| Delaware Small Cap Core A |
| Franklin Rising Dividends Class A |
| Invesco Comstock Fund Class A |
| Invesco Comstock Fund Class A GM |
| iShares Russell Midcap Index Fund Class K |
| iShares S&P |
| Janus Henderson Triton Fund A GM |
| Janus Henderson Triton Fund A |
| Loomis Sayles Strategic Income A |
| Loomis Sayles Strategic Income A GM |
| MFS MA Invest Growth Stock Fund |
| Neuberger Berman International Select Fund Class A |
| PIMCO Low Duration Fund GM |
| PIMCO Low Duration Fund |
| Pioneer Bond Fund |
| Pioneer Bond Fund GM |
| Pioneer Fundamental |
| Pioneer Fundamental GM |
| Vanguard US Treasury Money Fd |
| Vanguard US Treasury Money GM |
| Victory Sycamore EST Value Fund A |
| Victory Sycamore EST Value Fund GM |
| with maturity dates through |
| INVESCO STABLE VAL RET CL 3 GM COMMON / COLLECTIVE TRUSTS |
| PENDING SETTLEMENT FUND PENDING SETTLEMENT FUNDS |
Investment model portfolios
We provide two types of investment model portfolios for OPEN ROAD 401(K) 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 OPEN ROAD 401(K) PLAN