Investment options of SYMPHONY RISK SOLUTIONS 401(K) PLAN
Total Available Funds: 81
| Investment Description |
|---|
| American Funds 2015 TRGT DATE RETIRE R5E |
| American Funds 2020 TRGT DATE RETIRE R5E |
| American Funds 2025 TRGT DATE RETIRE R5E |
| American Funds 2030 TRGT DATE RETIRE R5E |
| American Funds 2035 TRGT DATE RETIRE R5E |
| American Funds 2040 TRGT DATE RETIRE R5E |
| American Funds 2045 TRGT DATE RETIRE R5E |
| American Funds 2050 TRGT DATE RETIRE R5E |
| American Funds 2055 TRGT DATE RETIRE R5E |
| American Funds 2060 TRGT DATE RETIRE R5E |
| American Funds 2065 TARGET DATE FUND R5E |
| American Funds AMERICAN HIGH-INC R5E |
| American Funds AMERICAN MUTUAL R5E |
| American Funds CAPITAL WORLD GR&INC R5E |
| American Funds GLOBAL GROWTH PORT R5E |
| American Funds GROWTH AND INC PORT R5E |
| American Funds GROWTH PORTFOLIO R5E |
| American Funds INVMT CO OF AMER R5E |
| American Funds NEW ECONOMY R5E |
| American Funds NEW PERSPECTIVE R5E |
| American Funds SMALLCAP WORLD R5E |
| American Funds ST BD FD OF AMER R5E |
| American Funds US GOVERNMENT MMKT R5E |
| American Funds WASHINGTON MUTUAL R5E |
| BlackRock MID-CAP GROWTH EQUITY INSTL |
| Columbia Seligman Technology COLUMBIA SELIGMAN TECH & INFORMATION I2 |
| Fidelity Investments FIDELITY 500 INDEX |
| Fidelity Investments FIDELITY CONTRAFUND |
| Fidelity Investments FIDELITY SELECT ENERGY PORTFOLIO |
| Fidelity Investments FIDELITY SELECT GOLD |
| Fidelity Investments FIDELITY SELECT HEALTH CARE |
| Fidelity Investments FIDELITY SMALL CAP INDEX |
| Franklin Templeton FRANKLIN RISING DIVIDENDS ADV |
| Parnassus Investments PARNASSUS CORE EQUITY – INST |
| Parnassus Investments PARNASSUS MID CAP INSTITUTIONAL |
| T. Rowe Price Retirement Funds, Inc. T. ROWE PRICE BLUE CHIP GROWTH |
| T. Rowe Price Retirement Funds, Inc. T. ROWE PRICE EQUITY INCOME FUND |
| Vanguard MID CAP INDEX ADM |
| maturing through November 2029 $ – |
| 1RGTFX 95,538.81 |
| 1RGSFX 363,428.69 |
| 1RNGHX 8,800.24 |
| 1RNPHX 16,009.11 |
| 1RSLDX 67,770.11 |
| 1CMGIX 8,515.93 |
| 1SCMIX 111,383.84 |
| 1CONTRA 163,715.39 |
| 1FSENX 163,060.83 |
| 1FSAGX 488,855.98 |
| 1FSPHX 11,816.98 |
| 1FSSNX 54,316.24 |
| 1FSKAX 54,170.26 |
| 1PFPMX 747.60 |
| 1TR-BCG 54,438.29 |
| 1VIMAX 77,128.71 |
| 1RMFHX 1,080.28 |
| 1RWIHX 49,764.05 |
| 1RGQFX 35,555.48 |
| 1RICHX 148,173.62 |
| 1RWMHX 215,787.28 |
| 1FXAIX 138,775.10 |
| 1FRDAX 20,489.81 |
| 1PRILX 17,901.17 |
| 1TR-EIF 32,199.60 |
| 1RITHX 23,611.02 |
| 1RMDSX 0.01 |
| 1RAAGX 271,198.69 |
| 1PTTRX 149,409.15 |
| 1RAGXX 972,246.90 |
| 1RHBTX 234,009.91 |
| 1RHCTX 1,571,984.12 |
| 1RHDTX 522,046.00 |
| 1RHETX 1,062,881.55 |
| 1RHFTX 1,002,457.90 |
| 1RHGTX 937,351.18 |
| 1RHHTX 650,761.11 |
| 1RHITX 647,966.75 |
| 1RHJTX 17,086.95 |
| 1RHKTX 43,244.02 |
| 1RHLTX 26,186.52 |
| FORFEITURES 73,413.47 |
Investment model portfolios
We provide two types of investment model portfolios for SYMPHONY RISK SOLUTIONS 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 SYMPHONY RISK SOLUTIONS 401(K) PLAN