Investment options of ROSEWOOD 401(K) PLAN
Total Available Funds: 27
| Investment Description |
|---|
| FIDELITY MANAGEMENT & RESEARCH COMPANY 500 INDEX FUND |
| U.S. BOND INDEX FUND |
| EXTENDED MARKET INDEX FUND |
| GLOBAL EX U.S. INDEX FUND |
| T. ROWE PRICE ASSOCIATES, INC. GROWTH STOCK FUND |
| STABLE VALUE COMMON TRUST FUND |
| RETIREMENT 2035 FUND |
| RETIREMENT 2025 FUND |
| RETIREMENT 2030 FUND |
| RETIREMENT 2020 FUND |
| RETIREMENT 2050 FUND |
| RETIREMENT 2045 FUND |
| RETIREMENT 2040 FUND |
| RETIREMENT 2055 FUND |
| RETIREMENT 2010 FUND |
| RETIREMENT 2065 FUND |
| RETIREMENT 2060 FUND |
| RETIREMENT BALANCED FUND |
| RETIREMENT 2015 FUND |
| J.P. MORGAN INVESTMENT MANAGEMENT, INC. MID CAP EQUITY FUND |
| NEUBERGER BERMAN MANAGEMENT, LLC INTERNATIONAL EQUITY FUND |
| INVESCO DIVERSIFIED DIVIDEND R6 |
| OPPENHEIMER FUNDS, INC. OPPENHEIMER DEVELOPING MARKETS FUND |
| ALLSPRING FUNDS TRUST SPECIAL SMALL CAP VALUE R6 |
| WELLS FARGO FUNDS MANAGEMENT, LLC ADVANTAGE SMALL COMPANY GROWTH FUND |
| PACIFIC INVESTMENT MANAGEMENT COMPANY, LLC (PIMCO) TOTAL RETURN FUND |
| JOHN HANCOCK ADVISERS, LLC DISCIPLINED VALUE MID CAP FUND |
Investment model portfolios
We provide two types of investment model portfolios for ROSEWOOD 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 ROSEWOOD 401(K) PLAN