Investment options of THE WINE GROUP RETIREMENT & SAVINGS PLAN
Total Available Funds: 20
| Investment Description |
|---|
| SCHWAB INTERNATIONAL INDEX FUND MUTUAL FUND |
| VANGUARD TTL BOND MKT IDX INST MUTUAL FUND |
| SCHWAB TOTAL STOCK MARKET INDEX MUTUAL FUND |
| SCHWAB S&P 500 INDEX FUND MUTUAL FUND |
| SCHWAB BANK SAVINGS MONEY MARKET FUND |
| VANGUARD VALUE INDEX INSTL MUTUAL FUND |
| DODGE & COX INCOME FUND MUTUAL FUND |
| VANGUARD GROWTH INDEX INSTL MUTUAL FUND |
| MFS INTL DIVERSIFICATION CL R6 MUTUAL FUND |
| PERSONAL CHOICE RETIREMENT SELF DIRECTED BROKERAGE ACCOUNTS |
| VANGUARD EMERG MKTS STK IDX INST MUTUAL FUND |
| VANGUARD REAL ESTATE INDEX ADMIRAL MUTUAL FUND |
| VANGUARD SM CAP VAL INDEX ADM MUTUAL FUND |
| SCHWAB SMALL-AMP;INDEX FUND MUTUAL FUND |
| VANGUARD SMALL CAP GRTH INDEX MUTUAL FUND |
| AMERICAN FUNDS NEW WORLD R6 MUTUAL FUND |
| VANGUARD MID CAP INDEX ADMIRAL MUTUAL FUND |
| VANGUARD MID CAP VALUE IDX ADM MUTUAL FUND |
| VANGUARD MDCP GRTH INDEX ADM MUTUAL FUND |
| BLACKROCK HIGH YIELD BOND K MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for THE WINE GROUP RETIREMENT & 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 THE WINE GROUP RETIREMENT & SAVINGS PLAN