Investment options of THE ROETZEL & ANDRESS 401(K) PLAN
Total Available Funds: 29
| Investment Description |
|---|
| CHARLES SCHWAB SCHWAB MANAGED RETIREMENT 2010 CLASS IV FUND |
| CHARLES SCHWAB SCHWAB MANAGED RETIREMENT 2020 CLASS IV FUND |
| CHARLES SCHWAB SCHWAB MANAGED RETIREMENT 2030 CLASS IV FUND |
| CHARLES SCHWAB SCHWAB MANAGED RETIREMENT 2040 CLASS IV FUND |
| CHARLES SCHWAB SCHWAB MANAGED RETIREMENT 2050 CLASS IV FUND |
| CHARLES SCHWAB SCHWAB MANAGED RETIREMENT 2060 CLASS IV FUND |
| CHARLES SCHWAB SCHWAB MANAGED RETIREMENT INCOME CLASS IV FUND |
| AMERICAN BEACON AMERICAN BEACON SHAPIRO SMALL MID CAP EQUITY FUND |
| AMERICAN BEACON AMERICAN BEACON SM CAP VALUE FUND |
| AMERICAN CENTURY AMERICAN CENTURY INFLATION ADJUSTED BOND FUND R6 |
| AMERICAN FUNDS AMERICAN NEW PERSPECTIVE R6 |
| ARTISAN ARTISAN INTERNATIONAL VALUE FUND |
| BNY MELLON BNY MELLON SMALL MID CAP GROWTH I |
| CHARLES SCHWAB SCHWAB GOVERNMENT MONEY FUND |
| DFA DFA EMERGING MARKETS CORE EQUITY I |
| DODGE & COX DODGE & COX GLOBAL BOND FUND |
| DOUBLELINE DOUBLELINE LOW DURATION BOND I |
| FIDELITY FIDELITY 500 INDEX |
| FIDELITY FIDELITY MID CAP INDEX |
| FIDELITY FIDELITY SMALL CAP INDEX |
| JANUS JANUS HENDERSON FLEXIBLE BOND |
| JOHN HANCOCK JOHN HANCOCK DISC VALUE R6 |
| MASSMUTUAL MASSMUTUAL SELECT MID CAP GROWTH R5 |
| MFS INVESTMENT MANAGEMENT MFS GOVERNMENT SECURITIES R3 |
| MFS INVESTMENT MANAGEMENT MFS GROWTH FUND CLASS R3 |
| PIMCO PIMCO INCOME INSTITUTIONAL |
| TOUCHSTONE TOUCHSTONE LARGE CAP FOCUSED Y |
| VANGUARD VANGAURD DEVELOPED MARKETS INDEX ADMIRAL |
| VANGUARD VANGUARD REAL ESTATE INDEX FUND |
Investment model portfolios
We provide two types of investment model portfolios for THE ROETZEL & ANDRESS 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 THE ROETZEL & ANDRESS 401(K) PLAN