Investment options of Rai 401 K Savings Plan
Total Available Funds: 24
Investment Description |
---|
UNITIZED COMPANY STOCK FUND |
BAT STOCK FUND-AMERICAN DEPOSITORY SHARES |
PIMCO INCOME A |
VANGUARD TOTAL INTERNATIONAL STOCK IS |
JOHCM GLB EM OPS IS |
VANGUARD TOTAL STOCK FUND |
TRP GLOBAL GR STK I |
PIMCO TOTAL RETURN FUND |
VANGUARD TOTAL BOND MARKET INDEX FUND |
DODGE AND COX INTERNATIONAL STOCK |
JP MORGAN DISCIPLINED EQUITY FUND CLASS R6 |
PIF DVRSD REAL AST I |
BTC LIFEPATH IDX RETIREMENT M |
BTC LIFEPATH IDX 2025 M |
BTC LIFEPATH IDX 2030 M |
BTC LIFEPATH IDX 2035 M |
BTC LIFEPATH IDX 2040 M |
BTC LIFEPATH IDX 2045 M |
BTC LIFEPATH IDX 2050 M |
BTC LIFEPATH IDX 2055 M |
BTC LIFEPATH IDX 2060 M |
BTC LIFEPATH IDX 2065 M |
RTHCHD US SMCP CR 2 |
WELLS FARGO STABLE RETURN FUND W |
Investment model portfolios
We provide two types of investment model portfolios for Rai 401 K 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 Rai 401 K Savings Plan