Investment options of R&Q SOLUTIONS 401K PLAN
Total Available Funds: 51
| Investment Description |
|---|
| Alger ALGER CAPITAL APPR INSTL Y |
| American Funds AMER FUNDS NEW PERSP R6 |
| American Funds AMERFUNDS INC FUND OF AMER R5 |
| American Funds NEW WORLD R6 |
| BlackRock HIGH YIELD K |
| Hotchkis & Wiley HOTCHKIS AND WILEY VAL OPP I |
| BlackRock ISHARES S&P 500 INDEX I |
| Lord Abbett ALPHA STRAT R6 |
| Lord Abbett SHORT DUR INC R6 |
| Macquarie MACQUARIE MID CAP GROWTH R6 |
| MFS CONS ALLOC – R4 |
| MFS GRTH ALLOC R4 |
| MFS MID CAP GROWTH R6 |
| MFS MOD ALLOC – R4 |
| MFS RESEARCH INTERNATIONAL R6 |
| MFS VALUE R6 |
| Royce ROYCE SMALL-CAP FUND – I |
| TRP Retirement TRP RETIREMENT 2020 I |
| TRP Retirement TRP RETIREMENT 2025 I |
| TRP Retirement TRP RETIREMENT 2030 I |
| TRP Retirement TRP RETIREMENT 2035 I |
| TRP Retirement TRP RETIREMENT 2040 I |
| TRP Retirement TRP RETIREMENT 2045 I |
| TRP Retirement TRP RETIREMENT 2050 I |
| TRP Retirement TRP RETIREMENT 2055 I |
| TRP Retirement TRP RETIREMENT 2060 I |
| Vanguard FEDERAL MM INV |
| Vanguard INTL GRTH ADM |
| Vanguard MID CAP INDEX – ADM |
| Western Asset WESTERN ASSET CORE BOND IS |
| Western Asset WESTERN ASSET CORE PLUS BD IS |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| TRP RETIREMENT 2050 I |
| TRP RETIREMENT 2020 I |
| AMERFUNDS INC FUND OF AMER R5 |
| TRP RETIREMENT 2055 I |
| HOTCHKIS AND WILEY VAL OPP I |
| TRP RETIREMENT 2040 I |
| ALGER CAPITAL APPR INSTL Y |
| WESTERN ASSET CORE BOND IS |
| TRP RETIREMENT 2060 I |
| TRP RETIREMENT 2025 I |
| ROYCE SMALL-CAP FUND – I |
| TRP RETIREMENT 2035 I |
| ISHARES S&P 500 INDEX I |
| WESTERN ASSET CORE PLUS BD IS |
| MACQUARIE MID CAP GROWTH R6 |
| TRP RETIREMENT 2045 I |
| AMER FUNDS NEW PERSP R6 |
| TRP RETIREMENT 2030 I |
Investment model portfolios
We provide two types of investment model portfolios for R&Q SOLUTIONS 401K 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 R&Q SOLUTIONS 401K PLAN