Investment options of RETIREMENT SAVINGS VALUE PLAN
Total Available Funds: 29
| Investment Option List |
|---|
| Empower Trust Company, LLC Dodge & Cox Stock Fund (DODFX) |
| MFS New Discovery Value R3 (NDVBX) |
| MFS Mid Cap Growth Fund Class R3 (OTCIX) |
| MFS Intl Division R3 |
| Clearbridge Intl Growth A (LMGTX) |
| Fidelity Intl Index (FAPCX) |
| Amcent Small Cap Gro R6 |
| WF Special Mid Cap Val A |
| Janus Henderson Bal A (JHISX) |
| Fidelity 500 Index Fund (FXAIX) |
| Fidelity Mid Cap Index (FIIMX) |
| Fidelity Small Cap Index (FSISX) |
| Fidelity US Bond Index (FSHBX) |
| Empower Trust Company, LLC AB US Large Cap Growth (W Series) CL MSG (SNIGX) |
| T. Rowe Price 2005 Fund (TRRFX) |
| T. Rowe Price 2010 Fund (TRRAX) |
| T. Rowe Price 2015 Fund (TRRGX) |
| T. Rowe Price 2020 Fund (TRRBX) |
| T. Rowe Price 2025 Fund (TRRHX) |
| T. Rowe Price 2030 Fund (TRRCX) |
| T. Rowe Price 2035 Fund (TRRJX) |
| T. Rowe Price 2040 Fund (TRRDX) |
| T. Rowe Price 2045 Fund (TRRKX) |
| T. Rowe Price 2050 Fund (TRRMX) |
| T. Rowe Price 2055 Fund (TRRNX) |
| T. Rowe Price 2060 Fund (TRPLX) |
| T. Rowe Price 2065 Fund (PASUX) |
| Guaranteed Income Fund |
| rates ranging from 3.44 to 10.00 percent – |
Investment model portfolios
We provide two types of investment model portfolios for RETIREMENT SAVINGS VALUE 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 VALUE PLAN