Investment options of THE RIVERWOODS GROUP 403(B) PLAN
Total Available Funds: 44
| Investment Description |
|---|
| American Funds 2015 Target Date Retirement Fund " |
| American Funds 2020 Target Date Retirement Fund " |
| American Funds 2025 Target Date Retirement Fund " |
| American Funds 2030 Target Date Retirement Fund " |
| American Funds 2035 Target Date Retirement Fund " |
| American Funds 2040 Target Date Retirement Fund " |
| American Funds 2045 Target Date Retirement Fund " |
| American Funds 2050 Target Date Retirement Fund " |
| American Funds 2055 Target Date Retirement Fund " |
| American Funds 2060 Target Date Retirement Fund " |
| American Funds 2065 Target Date Retirement Fund " |
| American Funds American Balanced Fund " |
| American Funds EuroPacific Growth Fund " |
| American Funds New World Fund " |
| Calvert Equity Fund " |
| Federated Government Obligations Fund " |
| Vanguard 500 Index Fund " |
| MFS International Diversity Fund R6 " |
| MFS Mid Cap Growth Fund " |
| Neuberger Berman Core Bond Fund I Class " |
| PGIM High Yield Fund " |
| PIMCO International Bond Fund " |
| PIMCO CommodityRealReturn Strategy Fund " |
| Principal St Income Institution " |
| Putnam Focused Equity Fund " |
| Putnam Small-Cap Growth Y Fund " |
| T. Rowe Price Dividend Growth Fund " |
| T. Rowe Price Spectrum Moderate Growth Allocation Fund " |
| Vanguard 500 Index Fund Admiral " |
| Vanguard Developed Markets Index Fund " |
| Vanguard Emerging Markets Stock Index Fund " |
| Vanguard Global Capital Cycles Fund " |
| Vanguard Inflation-Protected Securities Fund " |
| Vanguard Intermediate-Term Investment-Grade Fund " |
| Vanguard Large Cap Index Fund " |
| Vanguard Long-Term Treasury Fund " |
| Vanguard Mid-Cap Index Fund " |
| Vanguard Small-Cap Index Fund " |
| Vanguard Short-Term Inflation-Protected Securities Index Fund " |
| Vanguard Target Retirement 2030 Fund " |
| Vanguard Value Index Fund " |
| Vanguard Wellesley Income Fund " |
| Macquarie Balanced Fund Class A " |
| Metlife Fixed Interest guaranteed ins contract |
Investment model portfolios
We provide two types of investment model portfolios for THE RIVERWOODS GROUP 403(B) 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 RIVERWOODS GROUP 403(B) PLAN