Investment options of RDSOLUTIONS 401(K) PLAN
Total Available Funds: 49
| Investment Description |
|---|
| MFS Mid Cap Value Fund Class R6 |
| Fidelity Mid Cap |
| Vanguard 500 Index Fund Admiral Shares |
| Dodge & Cox Dodge & Cox Income Fund |
| Fidelity Small Cap |
| Vanguard Equity Income Fund Admiral Shares |
| Fidelity International |
| Vanguard Wellington™ Fund Admiral™ Shares |
| Macquarie Macquarie Mid Cap Growth Fund Class R6 |
| American Century Growth R6 |
| Federated Hermes MDT Small Cap Growth Fund Class R6 |
| T. Rowe Price Retirement I 2010 Fund I Class |
| T. Rowe Price Retirement I 2015 Fund I Class |
| T. Rowe Price Retirement I 2020 Fund I Class |
| T. Rowe Price Retirement I 2025 Fund I Class |
| T. Rowe Price Retirement I 2030 Fund I Class |
| T. Rowe Price Retirement I 2035 Fund I Class |
| T. Rowe Price Retirement I 2040 Fund I Class |
| T. Rowe Price Retirement I 2045 Fund I Class |
| T. Rowe Price Retirement I 2050 Fund I Class |
| T. Rowe Price Retirement I 2055 Fund I Class |
| T. Rowe Price Retirement I 2060 Fund I Class |
| American Funds U.S. Government Securities Fund Class R6 |
| Dimensional Fund Advisors DFA U.S. Targeted Value I |
| FID INTERNATIONAL INDEX |
| FID SMALL CAP INDEX |
| AMC GROWTH FUND – R6 |
| AMERICAN FUNDS US GOV SEC R6 |
| MFS MID CAP VALUE FUND – R6 |
| DFA US TARGETED VAL PORT INST |
| VANGUARD 500 INDEX FUND – ADM |
| TRP RETIREMENT 2025 I |
| TRP RETIREMENT 2050 I |
| TRP RETIREMENT 2040 I |
| TRP RETIREMENT 2030 I |
| MACQUARIE MID CAP GROWTH R6 |
| TRP RETIREMENT 2055 I |
| TRP RETIREMENT 2060 I |
| VANG EQUITY INC ADM |
| TRP RETIREMENT 2010 I |
| TRP RETIREMENT 2045 I |
| DODGE & COX INCOME FUND X |
| FED MTD SM CAP GROWTH R6 |
| TRP RETIREMENT 2035 I |
| FID MID CAP INDEX |
| VANGUARD WELLINGTON ADMIN |
| TRP RETIREMENT 2020 I |
| TRP RETIREMENT 2015 I |
| GS SV COL TR INSTL SER |
Investment model portfolios
We provide two types of investment model portfolios for RDSOLUTIONS 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 RDSOLUTIONS 401(K) PLAN