Investment options of ROCK WEST 401(K) PLAN
Total Available Funds: 27
| Investment Description |
|---|
| AMERICAN NEW PERSPECTIVE FUND CLASS F1 MUTUAL FUND |
| BUFFALO DISCOVERY FUND MUTUAL FUND |
| FIDELITY ADVISOR MID CAP VALUE A MUTUAL FUND |
| ISHARES BARCLAYS TIPS BOND FUND ETF MUTUAL FUND |
| JPMORGAN GROWTH ADVANTAGE FUND R4 MUTUAL FUND |
| LEUTHOLD CORE INVESTMENT FUND MUTUAL FUND |
| OAKMARK I MUTUAL FUND |
| PARAMETRIC INTERNATIONAL EQUITY FUND I MUTUAL FUND |
| SECTOR SPDR TR SBI INT-ENERGY MUTUAL FUND |
| SELECT SECTOR SPDR TR SBI INT-UTILS ETF MUTUAL FUND |
| T. ROWE PRICE MID CAP GROWTH FUND MUTUAL FUND |
| T. ROWE PRICE GLOBAL STOCK FUND I MUTUAL FUND |
| VANGUARD BOND INDEX FUND INC SHORT TERM BOND MUTUAL FUND |
| VANGUARD EMERGING MARKETS STOCK INDEX MUTUAL FUND |
| VANGUARD EXTENDED DURRATION TREASURY MUTUAL FUND |
| VANGUARD FTSE DEVELOPED MARKETS MUTUAL FUND |
| VANGUARD HIGH-YIELD CORPORATE INV MUTUAL FUND |
| VANGUARD INDEX FUNDS MID CAP GROWTH INDEX VIP ETF MUTUAL FUND |
| VANGUARD INDEX FUNDS SMALL CAP VALUE ETF CLMF MUTUAL FUND |
| VANGUARD REAL ESTATE INDEX ETF MUTUAL FUND |
| VANGUARD S&P 500 MUTUAL FUND |
| VANGUARD SMALL CAP GROWTH ETF MUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2020 INV MUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2030 INV MUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2040 INV MUTUAL FUND |
| VANGUARD TARGET RETIREMENT 2050 INV MUTUAL FUND |
| WESTERN ASSET CORE PLUS BOND I MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for ROCK WEST 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 ROCK WEST 401(K) PLAN