Investment options of RS&H, INC. 401(K)PLAN
Total Available Funds: 29
| Investment Option List |
|---|
| American Funds EuroPacific Growth Fund $ (FEPUX) |
| Macquarie Macquarie Small Cap Value Fund (VISVX) |
| Investco Small Mid Company Fund |
| JP Morgan Mid Cap Growth Select (MEFYX) |
| JP Morgan Large Growth Fund (SNIGX) |
| Lord Abbett Short Duration Income Fund (LLDYX) |
| MFS Aggressive Growth Allocation Fund (MAALX) |
| MFS Conservative Allocation Fund (MACIX) |
| MFS Growth Allocation Fund (MAGJX) |
| MFS Moderate Allocation Fund (MMAIX) |
| MFS Value Fund (MINIX) |
| T. Rowe Price Mid Cap Value Fund (TRMCX) |
| T. Rowe Price Small Cap Growth Equity Fund (PRDSX) |
| Vanguard 500 Index Fund Admiral (VFINX) |
| Vanguard Extended Market (VEXMX) |
| T. Rowe Price Retirement 2005 (TRRFX) |
| T. Rowe Price Retirement 2010 (TRRAX) |
| T. Rowe Price T Rowe Price Retirement 2015 (TRRGX) |
| T. Rowe Price T Rowe Price Retirement 2020 (TRRBX) |
| T. Rowe Price T Rowe Price Retirement 2025 (TRRHX) |
| T. Rowe Price T Rowe Price Retirement 2030 (TRRCX) |
| T. Rowe Price T Rowe Price Retirement 2035 (TRRJX) |
| T. Rowe Price T Rowe Price Retirement 2040 (TRRDX) |
| T. Rowe Price T Rowe Price Retirement 2045 (TRRKX) |
| T. Rowe Price T Rowe Price Retirement 2050 (TRRMX) |
| T. Rowe Price T Rowe Price Retirement 2055 (TRRNX) |
| T. Rowe Price T Rowe Price Retirement 2060 (TRPLX) |
| RS&H, Inc. Common stock, $0.01 par value |
| maturing through June 2039 |
Investment model portfolios
We provide two types of investment model portfolios for RS&H, INC. 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 RS&H, INC. 401(K)PLAN