Investment options of SYNTHOMER SAVINGS PLAN
Total Available Funds: 29
| Investment Description |
|---|
| TRP RETIRE 2005 F |
| TRP RETIRE 2010 F |
| TRP RETIRE 2015 F |
| TRP RETIRE 2020 F |
| TRP RETIRE 2025 F |
| TRP RETIRE 2030 F |
| TRP RETIRE 2035 F |
| TRP RETIRE 2040 F |
| TRP RETIRE 2045 F |
| TRP RETIRE 2050 F |
| TRP RETIRE 2055 F |
| TRP RETIRE BAL F |
| TRP RETIRE 2060 F |
| TRP INTL VALUE EQ I |
| TRP BLUE CHIP GRTH I |
| FID SMALL CAP GR K6 |
| FID STRATEGIC INCOME |
| DFA US TARGET VAL I |
| VANG EXT MKT IDX ADM |
| VANG TOT BD MKT ADM |
| VANG EQUITY INC ADM |
| VANG INTL GROWTH ADM |
| VANG TOT INTL STK AD |
| PIM COM REAL RET I |
| DFA GLOB REAL ESTATE |
| VT INTL SM CAP I |
| TRP RETIRE 2065 F |
| INVS DEVELOP MKT R6 |
| TRP STABLE VALUE A |
Investment model portfolios
We provide two types of investment model portfolios for SYNTHOMER SAVINGS 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 SYNTHOMER SAVINGS PLAN