Investment options of THE RETIREMENT PLAN
Total Available Funds: 20
| Investment Description |
|---|
| Vanguard Group, Inc. Vanguard Target Retirement 2030 |
| Vanguard Group, Inc. Vanguard Target Retirement 2040 |
| Vanguard Group, Inc. Vanguard Target Retirement 2050 |
| Vanguard Group, Inc. Vanguard Target Retirement 2020 |
| Vanguard Group, Inc. Vanguard Target Retirement 2060 |
| Company Fidelity Spartan 500 Index Inv |
| Vanguard Group, Inc. Vanguard Selected Value |
| OFI Global Asset Management, Inc. Oppenheimer International Growth |
| Capital Research & Management Co American Funds Europacific |
| Robert W. Baird & Co. Baird Core Plus Bond Inst |
| American Beacon American Beacon Small Cap Val Inst |
| Vanguard Group, Inc. Vanguard Small Cap Growth Index |
| Vanguard Group, Inc. Vanguard Mid-Cap Growth Index |
| Vanguard Group, Inc. Vanguard High-Yield Corporate Adm |
| Pacific Investment Management Co PIMCO Real Return Inst |
| Vanguard Group, Inc. Vanguard Target Retirement Income |
| Vanguard Group, Inc. Vanguard Target Retirement 2070 |
| Putnam Fiduciary Trust Company Putnam Large Cap Value Trust II CL U |
| American Century Investments GR TR IV |
| Notes Receivable from Participants Rates of 4.25% to 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for THE RETIREMENT 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 THE RETIREMENT PLAN