Investment options of OTAC 401(K) PLAN
Total Available Funds: 42
| Investment Description |
|---|
| TRowe Price Troweprice Ret I 2015 I |
| TRowe Price Troweprice Ret I 2040 I |
| TRowe Price Troweprice Ret I 2025 I |
| TRowe Price Troweprice Ret I 2045 I |
| TRowe Price Troweprice Ret I 2035 I |
| TRowe Price Troweprice Ret I 2055 I |
| TRowe Price Troweprice Ret I 2050 I |
| TRowe Price Troweprice Ret I 2020 I |
| TRowe Price Troweprice Ret I 2060 I |
| TRowe Price Troweprice Ret I 2010 I |
| Vanguard US Growth Adm |
| Vanguard Explorer Adm |
| TRowe Price Troweprice Ret I 2005 I |
| Fidelity Small Cap Index |
| American Century AMC Small Cap Value Fund |
| Fidelity Mid Cap Index |
| Vanguard FTSE Allwdxus Index Adm |
| American Funds American Funs Europac Growth R6 |
| Cohen & Steers Cohen & Steers Realty Shares |
| Metlife Metlife Rel St Val |
| TRP RETIREMENT 2030 I |
| TRP RETIREMENT 2010 I |
| TRP RETIREMENT 2045 I |
| TRP RETIREMENT 2050 I |
| VANGUARD EXPLORER ADMIN |
| TRP RETIREMENT 2005 I |
| COHEN & STEERS REALTY SHARES |
| TRP RETIREMENT 2035 I |
| FID SMALL CAP INDEX |
| TRP RETIREMENT 2060 I |
| TRP RETIREMENT 2055 I |
| TRP RETIREMENT 2015 I |
| AMERICAN FUNDS EUROPAC GRO- R6 |
| VAN FTSE ALL WLD EX US IDX ADM |
| TRP RETIREMENT 2025 I |
| AMC SMALL CAP VALUE FUND – R6 |
| VANGUARD US GROWTH FUND ADM |
| TRP RETIREMENT 2040 I |
| VANG TOT STK MKT IDX – ADMIRAL |
| FID MID CAP INDEX |
| TRP RETIREMENT 2020 I |
| METLIFE REL ST VAL 25053 – |
Investment model portfolios
We provide two types of investment model portfolios for OTAC 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 OTAC 401(K) PLAN