Investment options of RIVERVIEW 401(K) PLAN
Total Available Funds: 29
| Investment Description |
|---|
| Federated Capital Preservation Fund R6 |
| VANGUARD TOT BND MKT IND- ADM |
| VAN TARGET RETIRE 2020 |
| VANGUARD MID CAP INDEX – ADM |
| DFA ST EXTENDED QUAL PORT INST |
| VAN TARG RETIRE 2060 |
| DFA INFLATION PROT SEC INST |
| NUVEEN PREF SECS & INC R6 |
| VANGUARD SMALL CAP INDEX ADMRL |
| VAN TARGET RETIRE 2040 |
| DODGE&COX INTERNATIONAL STK X |
| VANGUARD HIGH DIV YIELD INDX |
| AQR LARGE CAP MOMENTUM STYLE I |
| VANGUARD INT TERM INV GR AD |
| VAN STRATEGIC EQUITY – INV |
| DFA US MICRO CAP PORT INST |
| PARNASSUS CORE EQUITY INST |
| VAN FTSE ALL WLD EX US IDX ADM |
| VAN TARGET RETIRE 2030 |
| PIMCO INCOME FUND – INSTL |
| INVESCO GOLD & SPEC MINR6 |
| VANGUARD WELLESLEY INCOME-ADMR |
| VAN TARGET RETIRE 2050 |
| AVANTIS US EQUITY – INSTITUT |
| FID LT TREAS BND INDX |
| DODGE & COX STOCKFUND X |
| VANGUARD 500 INDEX FUND – ADM |
| DIMENSIONAL GLOBAL EQTY – INST |
| FEDERATED CAP PRES FUND R6 |
Investment model portfolios
We provide two types of investment model portfolios for RIVERVIEW 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 RIVERVIEW 401(K) PLAN