Investment options of ROBERT R. MCCORMICK FOUNDATIONS 403(B) PLAN
Total Available Funds: 27
| Investment Description |
|---|
| Capital Research and Mgmt Co AMERICAN FUNDS NEWPRSP R6 FND |
| Capital Research and Mgmt Co AM FDS BD FD OF AM R6 FD |
| BlackRock Advisors, LLC BLACKROCK MD-CP GR EQ K FD |
| MFS Investment Management MFS MASS INV GROWTH STK R6 FD |
| Vanguard Group VGD TTL INTL STK IDX ADM FD |
| ClearBridge Investments CLEARBRIDGE INTL GRWTH I FD |
| JP Morgan Investment Mgmt Inc. JP MORGAN US VALUE R6 FUND |
| Neuberger Berman Mgmt. Inc. NEUB BERM SM CP GRTH INSTL FND |
| PIMCO INCOME INSTITUTIONAL FD |
| Principal Global Investors PRINCIPAL BLUE CHIP R6 FUND |
| T. Rowe Price Associates, Inc. T. ROWE PRICE BALANCED I FD |
| T. Rowe Price Associates, Inc. T. ROWE PRICE DIV GRWTH I FD |
| T. Rowe Price Associates, Inc. T. ROWE PRICE RTMT I 2010 I FD |
| T. Rowe Price Associates, Inc. T. ROWE PRICE RTMT I 2015 I FD |
| T. Rowe Price Associates, Inc. T. ROWE PRICE RTMT I 2020 I FD |
| T. Rowe Price Associates, Inc. T. ROWE PRICE RTMT I 2025 I FD |
| T. Rowe Price Associates, Inc. T. ROWE PRICE RTMT I 2030 I FD |
| T. Rowe Price Associates, Inc. T. ROWE PRICE RTMT I 2035 I FD |
| T. Rowe Price Associates, Inc. T. ROWE PRICE RTMT I 2040 I FD |
| T. Rowe Price Associates, Inc. T. ROWE PRICE RTMT I 2045 I FD |
| T. Rowe Price Associates, Inc. T. ROWE PRICE RTMT I 2050 I FD |
| T. Rowe Price Associates, Inc. T. ROWE PRICE RTMT I 2055 I FD |
| T. Rowe Price Associates, Inc. T. ROWE PRICE RTMT I 2060 I FD |
| T. Rowe Price Associates, Inc. T. ROWE PRICE RTMT I 2065 I FD |
| Vanguard Group VANGUARD SMALL CAP VALUE INDEX FD |
| Vanguard Group VANGUARD MID CAP INDEX ADM FD |
| Vanguard Group VANGUARD 500 INDEX ADMIRAL FD |
Investment model portfolios
We provide two types of investment model portfolios for ROBERT R. MCCORMICK FOUNDATIONS 403(B) 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 ROBERT R. MCCORMICK FOUNDATIONS 403(B) PLAN