Investment options of RUPPERT 401(K) PLAN
Total Available Funds: 55
| Investment Description |
|---|
| PIMCO Income Fund Institutional Class |
| Vanguard 500 Index Fund Admiral Shares |
| Vanguard Mid-Cap Index Fund Admiral Shares |
| Vanguard Small-Cap Index Fund Admiral Shares |
| PGIM Core Plus Bond Fund – Class I1 |
| Great Gary Great Gray Euro Pacific Growth Trust Class I1 |
| Federated Hermes Capital Preservation Fund – Cl R6 |
| Flexpath Strategies Flexpath Index+ Aggressive 2035 Fund – Class R1 |
| Flexpath Strategies Flexpath Index+ Aggressive 2045 Fund – Class R1 |
| Flexpath Strategies Flexpath Index+ Aggressive 2055 Fund – Class R1 |
| Flexpath Strategies Flexpath Index+ Aggressive Retirement Fund – Cl R1 |
| Flexpath Strategies Flexpath Index+ Conservative 2035 Fund – Class R1 |
| Flexpath Strategies Flexpath Index+ Conservative 2045 Fund – Class R1 |
| Flexpath Strategies Flexpath Index+ Conservative 2055 Fund – Class R1 |
| Flexpath Strategies Flexpath Index+ Conservative Retirement Fund – Cl R1 |
| Flexpath Strategies Flexpath Index+ Moderate 2035 Fund – Class R1 |
| Flexpath Strategies Flexpath Index+ Moderate 2045 Fund – Class R1 |
| Flexpath Strategies Flexpath Index+ Moderate 2055 Fund – Class R1 |
| Flexpath Strategies Flexpath Index+ Moderate Retirement Fund – Class R1 |
| JP Morgan Large Cap Growth Fund II – Class I1 |
| JP Morgan Large Cap Value Fund III Fee Class I1 |
| JP Morgan Mid Cap Growth Fund – Class I1 |
| JP Morgan Mid Cap Value Fund – Class I1 |
| JP Morgan Small Cap Value Fund III I1 |
| bearing interest at rates from 4.25% to 9.50% -0- |
| See report of independent auditors. Page |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VANGUARD TOT BND MKT IND- ADM |
| VANGUARD 500 INDEX FUND – ADM |
| VANGUARD MID CAP INDEX – ADM |
| VANGUARD TOT INTL STK IND ADM |
| PIMCO INCOME FUND – INSTL |
| VANGUARD SMALL CAP INDEX ADMRL |
| CLEARBRIDGE SMALL CAP GR IS |
| LARGE CAP VALUE III CIT – I1 |
| FEDERATED CAP PRES FUND R6 |
| CORE PLUS BOND FD – I1 |
| MID CAP GR I1 |
| LARGE CAP GROWTH II – I1 |
| MID CAP VALUE I1 |
| GGT EUROPACIFIC GROWTH I1 |
| SMALL CAP VALUE FUND III I1 |
| FLEXPATH IDX AGG RET R1 |
| FLEXPATH IDX MOD RET R1 |
| FLEXPATH IDX CON RET R1 |
| FLEXPATH IDX AGG 2035 R1 |
| FLEXPATH IDX MOD 2035 R1 |
| FLEXPATH IDX CON 2035 R1 |
| FLEXPATH IDX AGG 2045 R1 |
| FLEXPATH IDX MOD 2045 R1 |
| FLEXPATH IDX CON 2045 R1 |
| FLEXPATH IDX AGG 2055 R1 |
| FLEXPATH IDX MOD 2055 R1 |
| FLEXPATH IDX CON 2055 R1 |
Investment model portfolios
We provide two types of investment model portfolios for RUPPERT 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 RUPPERT 401(K) PLAN