Investment options of PALOMA PARTNERS RETIREMENT PLAN
Total Available Funds: 26
| Investment Option List |
|---|
| AMERICAN FUNDS FUNDAMENTAL INVESTORS FUND; CLASS R-6 (RFNFX) |
| ARTISAN INTERNATIONAL FUND, INVESTOR CLASS (ARTJX) |
| BARON GROWTH FUND (IBGIX) |
| BLACKROCK HEALTH SCIENCES OPP FUND – A CLASS (IEHSX) |
| CALAMOS MARKET NEUTRAL INCOME FUND; INSTITUTIONAL CLASS (CMNIX) |
| EATON VANCE FLOATING RATE FUND, ADVISERS CLASS |
| FIDELITY SELECT SOFTWARE (FSENX) |
| INVESCO OPPENHEIMER GLOBAL OPPORTUNITIES FUND (OGIIX) |
| PALOMA PARTNERS RETIREMENT PLAN |
| VANGUARD REIT INDEX FUND ADMIRAL SHARES (VGSLX) |
| VANGUARD SELECTED VALUE FUND (VASVX) |
| VANGUARD SHORT-TERM BOND INDEX FUND ADMIRAL SHARES (VBIRX) |
| VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES (VSMAX) |
| VANGUARD SMALL-CAP VALUE INDEX FUND |
| VANGUARD TARGET RETIREMENT 2020 FUND (VTWNX) |
| VANGUARD TARGET RETIREMENT 2025 FUND (VTTVX) |
| VANGUARD TARGET RETIREMENT 2030 FUND (VTHRX) |
| VANGUARD TARGET RETIREMENT 2035 FUND (VTTHX) |
| VANGUARD TARGET RETIREMENT 2040 FUND (VFORX) |
| VANGUARD TARGET RETIREMENT 2045 FUND (VTIVX) |
| VANGUARD TOTAL BOND MARKET INDEX FUND ADMIRAL SHARES (VBTLX) |
| VANGUARD TOTAL INTERNATIONAL BOND INDEX FUND ADMIRAL SHARES (VTABX) |
| VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES (VTIAX) |
| VANGUARD UTILITIES INDEX FUND ADMIRAL SHARES (VUIAX) |
| VANGUARD WELLINGTON FUND ADMIRAL SHARES (VWENX) |
| VANGUARD WINDSOR II FUND ADMIRAL SHARES (VWNAX) |
Investment model portfolios
We provide two types of investment model portfolios for PALOMA PARTNERS 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 PALOMA PARTNERS RETIREMENT PLAN