Investment options of ROSE-MARY 401(K) PLAN
Total Available Funds: 30
| Investment Option List |
|---|
| State Street TARGET RETIREMENT 2040 K (SSCLX) |
| State Street TARGET RETIREMENT 2045 K (SSCUX) |
| State Street TARGET RETIREMENT 2050 K (SSDFX) |
| State Street TARGET RETIREMENT 2055 K (SSDMX) |
| State Street TARGET RETIREMENT 2060 K (SSDTX) |
| State Street TARGET RETIREMENT 2065 K (SSFJX) |
| Fidelity INTERNATIONAL INDEX (FDIVX) |
| Fidelity ADVISOR SMALL CAP VALUE Z (FCVIX) |
| Fidelity SMALL CAP INDEX (FSISX) |
| Lord Abbett DEVELOPING GROWTH R6 (LADVX) |
| Fidelity 500 INDEX (FUSEX) |
| J.P. Morgan JPMORGAN U.S. VALUE R6 |
| T. Rowe T. ROWE PRICE LARGE CAP GROWTH I (TPLGX) |
| American AMERICAN FUNDS BOND FUND OF AMER R6 (RTAFX) |
| 1SSCQX 54,023.05 |
| 1SSDEX 137,388.05 |
| 1SSDLX 109,367.45 |
| 1SSDQX 142,804.44 |
| 1SSDYX 118,847.22 |
| 1SSFKX 103,498.69 |
| 1FSPSX 132,067.61 |
| 1FIKNX 19,529.93 |
| 1FSSNX 32,163.65 |
| 1LADVX 18,588.63 |
| 1FXAIX 97,849.56 |
| 1VGINX 51,518.67 |
| 1TRLGX 47,636.40 |
| 1RBFGX 229,900.89 |
| 1GWAQ35 1.450 38,356.50 |
| FORFEITURES 14,101.05 |
Investment model portfolios
We provide two types of investment model portfolios for ROSE-MARY 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 ROSE-MARY 401(K) PLAN