Investment options of RFC RETIREMENT PLAN
Total Available Funds: 30
| Investment Description |
|---|
| TA BlackRock Lifepath Index 2045 Ret Acct 8 7,873 # |
| TA BlackRock Lifepath Index Retirement Ret Acct 8 2,771 # |
| TA BlackRock Lifepath Index 2040 Ret Acct 6 2,470 # |
| TA BlackRock Lifepath Index 2035 Ret Acct 3 9,449 # |
| TA BlackRock Lifepath Index 2030 Ret Acct 3 8,436 # |
| TA BlackRock Lifepath Index 2050 Ret Acct 3 6,217 # |
| TA BlackRock Lifepath Index 2060 Ret Acct 2 1,771 # |
| TA BlackRock Lifepath Index 2055 Ret Acct 2 0,172 # |
| MFS Massachusetts Invstrs Growth Stock Ret Acct 1 6,288 # |
| State Street Russell Lg Cap Gr Index Ret Acct 1 2,290 # |
| American Funds New Perspective Ret Acct 1 0,056 # |
| PIMCO StocksPLUS Intl (US Dollar-Hdgd) Ret Acct 9,491 # |
| Janus Henderson Triton Ret Acct 9,223 # |
| Pioneer Select Mid Cap Growth Ret Acct 9,030 # |
| DFA Emerging Mrkts Portfolio Ret Acct 8,253 # |
| DFA U.S. Targeted Val Port Ret Acct 7,801 # |
| JPMorgan Eqt Inc Ret Acct 7,029 # |
| American Funds EuroPacific Gr Ret Acct 6,523 # |
| Virtus NFJ Mid-Cap Value Ret Acct 5,869 # |
| State Street S&P Md Cap Indx Ret Acct 4,935 # |
| TA Vanguard REIT Index Ret Acct 4,551 # |
| State Street U.S. Bd Index Ret Acct 3,323 # |
| State Street Russell Lg Cap Val Indx Ret Acct 2,961 # |
| Invesco Core Plus Bond Ret Acct 2,886 # |
| State Street Internatnl Index Ret Acct 2,787 # |
| State Street Russell Sm Cap Index Ret Acct 2,541 # |
| DFA Inflation-Protected Securities Port Ret Acct 2,147 # |
| Federated Hermes Instl High Yld Bd RetAcct 1,294 # |
| BrandywineGLOBAL – Glo Opp Bond Ret Acct 985 # |
| from January 2025 to May |
Investment model portfolios
We provide two types of investment model portfolios for RFC RETIREMENT 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 RFC RETIREMENT PLAN