Investment options of RATIONAL COOKING SYSTEMS, INC. 401(K) PLAN
Total Available Funds: 68
| Investment Description |
|---|
| Victory Established Value |
| Blackrock Mid Cap Growth |
| Columbia Small Cap Growth |
| American Funds American High Income Fund |
| Janus Henderson Developed World Bond |
| Invesco Global Fund |
| Fidelity Advisor Growth Opps Fund |
| Schwab Target 2050 Index |
| IShares MSCI EAFE International Index |
| American Funds New World Fund |
| American Century Inflation Adjusted Bond |
| T. Rowe Spec Moderate Growth Alloc |
| Columbia Balanced Fund |
| DWS Enhanced Commodity |
| Schwab Target 2045 Index |
| IShares S&P 500 Index |
| Vanguard International Growth Fund |
| Transamerica International Equity Fund |
| IShares Russell 2000 Small Cap Fund |
| Victory Small Co Opp Fund |
| Columbia Dividend Income Fund |
| IShares Russell MidCap |
| American Funds US Government Securities Fund |
| Schwab Target 2030 |
| Schwab Target 2035 |
| Schwab Target 2065 |
| Schwab Target 2055 |
| Schwab Target 2020 |
| Schwab Target 2015 |
| Schwab Target 2040 |
| Schwab Target 2025 |
| Schwab Target 2060 |
| Schwab Target 2010 |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| PRINCIPAL RE SECURITIES I |
| VICTORY ESTABLISHED VALUE R6 |
| SCHWAB TARGET 2015 INDEX |
| BLACKROCK MIDCAP GROWTH EQ K |
| COLUMBIA SMALL CAP GROWTH I3 |
| AMF AMERICAN HIGH INCOME – R6 |
| SCHWAB TARGET 2040 INDEX |
| JANUS HEN DEV WRLD BD N |
| INVESCO GLOBAL R6 |
| FID ADV GRWTH OPPS – Z |
| SCHWAB TARGET 2025 INDEX |
| VANGUARD FEDERAL MM INV |
| ISHARES MSCI EAFE INTL INDEX K |
| SCHWAB TARGET 2060 INDEX |
| SCHWAB TARGET 2035 INDEX |
| AMERICAN FUNDS NEW WORLD R6 |
| AC INFLATION ADJ BOND R6 |
| SCHWAB TARGET 2065 INDEX |
| TRO SPEC MODGRTH ALLOC I |
| COLUMBIA BALANCED FUND – I3 |
| SCHWAB TARGET 2055 INDEX |
| DWS ENHANCED COMMODITY ST |
| ISHARES S&P 500 INDEX K |
| VANGUARD INTL GRTH ADM |
| TRANSAMERICA INTL EQUITY R6 |
| SCHWAB TARGET 2020 INDEX |
| ISHARES RUSSELL 2000 SM CAP K |
| SCHWAB TARGET 2010 INDEX |
| VICTORY SMALL CO OPP R6 |
| COLUMBIA DIVIDEND INCOME I3 |
| ISHARES RUSSELL MIDCAP INDEX K |
| AMERICAN FUNDS US GOV SEC R6 |
| SCHWAB TARGET 2030 INDEX |
Investment model portfolios
We provide two types of investment model portfolios for RATIONAL COOKING SYSTEMS, INC. 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 RATIONAL COOKING SYSTEMS, INC. 401(K) PLAN