Investment options of RETIREMENT SAVINGS PLAN
Total Available Funds: 23
| Investment Option List |
|---|
| ALLIANCE BERNSTEIN AB LARGE CAP GROWTH Z FUND (SNIGX) |
| DODGE & COX INCOME I FUND (DODIX) |
| FIDELITY GLB EX US INDEX FD |
| FIDELITY MID CP INDEX FUND |
| FIDELITY SM CAP INDEX FUND (FLCSX) |
| FIDELITY US BOND INDEX FUND (FSHBX) |
| FIDELITY 500 INDEX FUND (FXAIX) |
| JOHN HANCOCK DISC VAL |
| JP MORGAN EQUIT |
| MFS INTL (WPGLX) |
| MFS |
| PUTNAM FIDUCIARY TRUST COMPANY (HMVMX) |
| SCHWAB FUNDS |
| T. ROWE PRICE FUNDS (TRAZX) |
| VANGUARD GROUP |
| VANGUARD TGT RMT 2020 INV FUND |
| VANGUARD TGT RMT 2025 INV FUND |
| VANGUARD TGT RMT 2030 INV FUND |
| VANGUARD TGT RMT 2035 INV FUND |
| VANGUARD TGT RMT 2040 INV FUND |
| VANGUARD TGT RMT 2045 INV FUND |
| VANGUARD TGT RMT 2050 INV FUND |
| VANGUARD TGT RMT 2055 INV FUND |
Investment model portfolios
We provide two types of investment model portfolios for RETIREMENT 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 RETIREMENT SAVINGS PLAN