Investment options of ROWMARK, LLC RETIREMENT PLAN
Total Available Funds: 34
| Investment Description |
|---|
| Ascensus American Century One Choice Retirement 50 I |
| Ascensus American Century One Choice Retirement 60 I |
| Ascensus American Century One Choice Retirement 40 I |
| Ascensus American Century One Choice Retirement 25 I |
| Ascensus American Century One Choice Retirement 45 I |
| Ascensus American Century One Choice Retirement 55 I |
| Ascensus American Century One Choice Retirement 30 I |
| Ascensus American Century One Choice Retirement 35 I |
| Ascensus MetLife GAC Series 25053 Class EQ |
| Ascensus American Century One Choice Retirement Income |
| Ascensus American Century One Choice Retirement 65 I |
| Ascensus American Century Ultra Fund R6 |
| Ascensus Vanguard 500 Index Fund Adm |
| Ascensus Columbia Large Cap Value I3 |
| Ascensus AB Small Cap Grw Port Z |
| Ascensus John Hancock Bond Fund – Class R6 |
| Ascensus Columbia Small Cap Value III3 |
| Ascensus T. Rowe Price Mid-Cap Value Fund -1 Class |
| Ascensus DFA Intermediate Govt Fixed Income Portfolio – Inst Class |
| Ascensus Vanguard Mid-Cap Index Fund – Admiral Shares |
| Ascensus Invesco Oppenheimer International Bond Fund – Class Y |
| Ascensus Baron Asset Fund – Retail Shares |
| Ascensus American Funds Capital Income Builder – Class R-6 |
| Ascensus Vanguard Small-Cap Index Fund – Admiral Shares |
| Ascensus PIMCO Income Instl |
| Rates from 3.25% to 9 5% |
| Vanguard |
| American Century |
| Columbia |
| T. Rowe Price |
| AB Small cap |
| American Funds |
| John Hancock |
| Participant's Loan Account |
Investment model portfolios
We provide two types of investment model portfolios for ROWMARK, LLC RETIREMENT 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 ROWMARK, LLC RETIREMENT PLAN