Investment options of TERRY’S ELECTRIC 401(K) SAVINGS PLAN
Total Available Funds: 24
| Investment Option List |
|---|
| T. Rowe Price Small-Cap Stock Inv (TRSSX) |
| T. Rowe Price International Equity Index Inv (PIEQX) |
| T. Rowe Price Retirement 2020 Inv (TRRBX) |
| T. Rowe Price Retirement 2030 Inv (TRRCX) |
| T. Rowe Price Retirement 2040 Inv (TRRDX) |
| T. Rowe Price Retirement 2025 Inv (TRAVX) |
| T. Rowe Price Retirement 2035 Inv (TRRJX) |
| T. Rowe Price Retirement 2045 Inv (TRRKX) |
| T. Rowe Price Retirement 2050 Inv (TRRMX) |
| T. Rowe Price Retirement 2055 Inv (TRRNX) |
| T. Rowe Price Retirement 2060 Inv (TRPLX) |
| T. Rowe Price Retirement 2065 Inv (PASUX) |
| T. Rowe Price Retirement 2005 Inv (TRRFX) |
| Columbia Mid Cap Index Instl (ARMEX) |
| Fidelity Spartan (FSMKX) |
| Fidelity Blue Chip Growth (FBGRX) |
| Fidelity US Bond (FSHBX) |
| Fidelity Advisor Small Cap Growth Z (FCIGX) |
| American American Funds Bond Fund of Maer R6 (RTAFX) |
| American American Funds Inflation Linked BD R6 (BFICX) |
| JP Morgan JP Morgan Mid Cap Growth R6 (DGRDX) |
| Invesco Small Cap Value R6 (MPSCX) |
| Vanguard Small Cap Index Adm (VISVX) |
| MFS Global Growth R4 (MWOIX) |
Investment model portfolios
We provide two types of investment model portfolios for TERRY’S ELECTRIC 401(K) 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 TERRY'S ELECTRIC 401(K) SAVINGS PLAN