Investment options of REFAC OPTICAL GROUP 401(K) PLAN
Total Available Funds: 37
| Investment Description |
|---|
| Wilmington Trust MetLife Collective Trust Fund – |
| JPMorgan Funds Large Cap Growth – |
| Vanguard Funds 500 Index Admiral – |
| JPMorgan Funds SmartRetirement 2040 – |
| Pioneer Investments Equity Income – |
| JPMorgan Funds SmartRetirement 2030 – |
| JPMorgan Funds Small Cap Growth – |
| JPMorgan Funds SmartRetirement 2050 – |
| Victory Funds Sycamore Established Value – |
| Goldman Sachs Funds Growth Opportunity – |
| JPMorgan Funds SmartRetirement 2020 – |
| JPMorgan Funds SmartRetirement Income – |
| Touchstone Funds Large Cap Focused – |
| Fidelity Investments Advisor Small Cap Value – |
| Western Asset Core Bond – |
| JPMorgan Funds SmartRetirement 2035 – |
| JPMorgan Funds SmartRetirement 2025 – |
| Goldman Sachs Funds GQG International Opportunity A – |
| JPMorgan Funds SmartRetirement 2045 – |
| JPMorgan Funds SmartRetirement 2060 – |
| Goldman Sachs Funds International Equity Insights A – |
| Delaware Ivy Funds International Core Equity – |
| BNY Mellon Funds Worldwide Growth – |
| Goldman Sachs Funds Emerging Markets Equity Insights – |
| MFS Funds International New Discovery – |
| Pioneer Investments Bond – |
| Voya Funds International SmallCap Fund – |
| Pioneer Investments Floating Rate – |
| Columbia Funds High Yield Bond $ – |
| JPMorgan Funds Mortgage-Backed Securities – |
| Pioneer Investments Strategic Income – |
| PIMCO Funds Real Return – |
| Invesco Funds Convertible Securities – |
| BNY Mellon Funds International Bond – |
| Vanguard Funds Small Cap Index – |
| Vanguard Funds MidCap Index Fund – |
| JPMorgan Funds SmartRetirement 2055 – |
Investment model portfolios
We provide two types of investment model portfolios for REFAC OPTICAL GROUP 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 REFAC OPTICAL GROUP 401(K) PLAN