Investment options of RIGHTWORKS, LLC 401(K) PLAN
Total Available Funds: 39
| Investment Option List |
|---|
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| ISHARES SH-T TIPS BD IDX INV A |
| AMERICAN FUNDS EURPAC GR FD-R4 |
| FIDELITY ADVISOR GROWTH OPPS A (FCIGX) |
| T. ROWE PRICE RETIRE 2060-ADV (TRPLX) |
| BLACKROCK STRAT GLOBAL BOND A (MKWIX) |
| T.ROWE PRICE RETIRE 2020 – ADV (TRRBX) |
| PIMCO INCOME FUND – A (PFIIX) |
| UNDISCOVERED MGRS BHVL VAL A |
| ISHARES S&P 500 INDEX A (BSPPX) |
| INV DEVELOP MARKETS-A (VDMIX) |
| T. ROWE PRICE RETIREMENT 2065 (PASUX) |
| ISHARES RUSSELL 2000 SM CAP A (BDBPX) |
| THORNBURG LIMITED TERM INC R5 (LTUIX) |
| T. ROWE PRICE RET 2015 – ADV (TRRGX) |
| FRANKLIN INCOME FUND – A1 (FVHIX) |
| VIRTUS SILVANT MIDCAP GRW A |
| PGIM HIGH YIELD – A (PHYEX) |
| ISHARES RUSSELL MIDCAP INDEX A (CIETX) |
| LORD ABBETT DEVELOPING GROW-A (LAGYX) |
| AMF INCOME FUND OF AMERICA- R4 |
| T. ROWE PRICE RETIRE 2050-ADV (ITRAX) |
| AMER FUNDS NEW PERSPECTIVE -R4 (FFPNX) |
| T. ROWE PRICE RET 2055 – ADV (TRRNX) |
| BLACKROCK EQUITY DIVIDEND – A (MADVX) |
| T. ROWE PRICE RET 2035 – ADV (ITRAX) |
| WESTERN ASSET CORE PLUS BOND A (WACPX) |
| T.ROWE PRICE RETIRE 2010 – ADV (ITRAX) |
| ISHARES MSCI EAFE INTL INDEX A (BTMGX) |
| ISHARES US AGGREGATE BD IDX A |
| T.ROWE PRICE RETIRE 2040 – ADV (TRRDX) |
| T.ROWE PRICE RETIRE 2030 – ADV (TRRCX) |
| AMERICAN CAP INC BLDER – R4 |
| VICTORY ESTABLISHED VALUE A (GETGX) |
| T. ROWE PRICE RET 2025 – ADV (TRRHX) |
| T. ROWE PRICE RET 2045 – ADV (ITRAX) |
| COHEN & STEERS REAL EST SEC A (CSDIX) |
| METLIFE REL ST VAL 25053 – |
Investment model portfolios
We provide two types of investment model portfolios for RIGHTWORKS, LLC 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 RIGHTWORKS, LLC 401(K) PLAN