Investment options of Rick Engineering 401K Retirement Savings Plan
Total Available Funds: 55
| Investment Description |
|---|
| Fidelity 500 Index – |
| JPMorgan Lg Cap Gr R6 – |
| MFS Val R3 – |
| JPMorgan Small Cap Eq R5 – |
| Vanguard FTSE All Wld ex-US Idx Adm – |
| Vanguard Mid Cap Index Adm – |
| Principal Core Fixed Inc Instl – |
| BNY BNY Mellon Worldwide Gr I – |
| PIMCO Inc Instl – |
| Vanguard Small Cap Index Adm – |
| American Century Gov't Bd R5 – |
| Vanguard Intl Gr Adm – |
| Cohen & Steers Cohen & Steers Instl Realty Shares – |
| Macquarie Macquarie Emerging Mkts R6 – |
| Vanguard Short Term Inv Grade Adm – |
| Vanguard Long Term Inv Grade Adm – |
| Charles Schwab Instl Personal Choice Retirement Accounts – |
| Wilmington Trust Small Cap Val – |
| Wilmington Trust Wilmington Tr T. Rowe 2030 – |
| Wilmington Trust Wilmington Tr T. Rowe 2040 – |
| Metlife Reliance/MetLife Stable 25053 – |
| Wilmington Trust Wilmington Tr T. Rowe 2035 – |
| Wilmington Trust Wilmington Tr T. Rowe 2045 – |
| Wilmington Trust Wilmington Tr T. Rowe 2055 – |
| Wilmington Trust Wilmington Tr T. Rowe 2025 – |
| Wilmington Trust Wilmington Tr T. Rowe 2050 – |
| Wilmington Trust Wilmington Tr T. Rowe 2020 – |
| Wilmington Trust Wilmington Tr T. Rowe 2060 – |
| Wilmington Trust Wilmington Tr T. Rowe 2015 – |
| Wilmington Trust Mid Cap Gr Fund Class – |
| Wilmington Trust Mid Cap Val Fund Fee Class R1 – |
| Wilmington Trust Wilmington Tr T. Rowe 2065 – |
| AMERICAN CENTURY GOVT BOND R5 1/1/2024 12/31/2024 4.835 |
| BNY MELLON BNY MELLON WORLDWIDE GROWTH I* 1/1/2024 12/31/2024 24.175 |
| COHEN & STEERS COHEN & STEERS INSTL REALTY 1/1/2024 12/31/2024 9.670 |
| JP MORGAN JPMORGAN SMALL CAP EQUITY R5 1/1/2024 12/31/2024 9.670 |
| MFS VALUE FUND CLASS R3 1/1/2024 12/31/2024 48.350 |
| PRINCIPAL CORE FIXED INCOME INSTL 1/1/2024 12/31/2024 9.670 |
| Fidelity 500 Index |
| JPMorgan Lg Cap Gr R6 |
| JPMorgan Small Cap Eq R5 |
| MFS Val R3 |
| Principal Core Fixed Inc Instl |
| Vanguard FTSE All Wld ex-US Idx Adm |
| Vanguard Mid Cap Index Adm |
| Metlife Reliance/MetLife Stable 25053 Cl |
| Wilmington Trust Small Cap Val II I1 |
| Wilmington Trust Wilmington Tr T. Rowe 2020 Tr l1 |
| Wilmington Trust Wilmington Tr T. Rowe 2025 Tr l1 |
| Wilmington Trust Wilmington Tr T. Rowe 2030 Tr l1 |
| Wilmington Trust Wilmington Tr T. Rowe 2035 Tr l1 |
| Wilmington Trust Wilmington Tr T. Rowe 2040 Tr l1 |
| Wilmington Trust Wilmington Tr T. Rowe 2045 Tr l1 |
| Wilmington Trust Wilmington Tr T. Rowe 2050 Tr l1 |
| Wilmington Trust Wilmington Tr T. Rowe 2055 Tr l1 |
Investment model portfolios
We provide two types of investment model portfolios for Rick Engineering 401K 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 Rick Engineering 401K Retirement Savings Plan