Investment options of RESOURCES LEGACY FUND 401(K) PLAN
Total Available Funds: 25
| Investment Option List |
|---|
| American Funds Europacific Gr R6 N/A |
| American Funds New World R6 N/A (HVWBX) |
| American Funds Smallcap World R6 N/A (FSFWX) |
| Fidelity Investments Fidelity International Index N/A (FDIVX) |
| American Funds Growth Fund Of Amer R6 N/A (PGGAX) |
| Blackrock Equity Dividend Instl N/A (MADVX) |
| Fidelity Investments Fidelity 500 Index Fund N/A (FXAIX) |
| Vanguard Ftse Social Index Adm N/A (VFTNX) |
| MFS Mid Cap Growth R6 N/A (OTCIX) |
| MFS Mid Cap Value R6 N/A (MCVIX) |
| Vanguard Mid Cap Index Adm N/A (VIMSX) |
| American Century Small Cap Value R6 N/A (IACIX) |
| Loomis Loomis Sayles Small Cap Growth N N/A (LSSIX) |
| Vanguard Small-Cap Index Adm N/A (VISVX) |
| Vanguard Target Retirement 2020 Fund N/A (VTWNX) |
| Vanguard Target Retirement 2025 Fund N/A (VTTVX) |
| Vanguard Target Retirement 2030 Fund N/A (VTHRX) |
| Vanguard Target Retirement 2035 Fund N/A (VTTHX) |
| Vanguard Target Retirement 2040 Fund N/A (VFORX) |
| Vanguard Target Retirement 2045 Fund N/A (VTIVX) |
| Vanguard Target Retirement 2050 Fund N/A (VFIFX) |
| Vanguard Target Retirement 2055 Fund N/A (VFFVX) |
| Vanguard Target Retirement 2060 Fund N/A (VTTSX) |
| Vanguard Target Retirement 2065 Fund N/A (VSXFX) |
| Vanguard Target Retirement Income Fund N/A (VTINX) |
Investment model portfolios
We provide two types of investment model portfolios for RESOURCES LEGACY FUND 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 RESOURCES LEGACY FUND 401(K) PLAN