Investment options of THE WORLD GROUP SAVINGS AND INVESTMENT PLAN
Total Available Funds: 29
| Investment Description |
|---|
| GALLIARD RETIREMENT INCOME FUND |
| SCHWAB MANAGED RETIREMENT TRUST FUND 2010 |
| SCHWAB MANAGED RETIREMENT TRUST FUND 2015 |
| SCHWAB MANAGED RETIREMENT TRUST FUND 2020 |
| SCHWAB MANAGED RETIREMENT TRUST FUND 2025 |
| SCHWAB MANAGED RETIREMENT TRUST FUND 2030 |
| SCHWAB MANAGED RETIREMENT TRUST FUND 2035 |
| SCHWAB MANAGED RETIREMENT TRUST FUND 2040 |
| SCHWAB MANAGED RETIREMENT TRUST FUND 2045 |
| SCHWAB MANAGED RETIREMENT TRUST FUND 2050 |
| SCHWAB MANAGED RETIREMENT TRUST FUND 2055 |
| SCHWAB MANAGED RETIREMENT TRUST FUND 2060 |
| SCHWAB MANAGED RETIREMENT TRUST FUND 2065 |
| SCHWAB MANAGED RETIREMENT TRUST INCOME FUND |
| AMERICAN FUNDS AMERICAN BALANCED FUND CLASS R-5E |
| AMERICAN FUNDS NEW WORLD FUND CLASS R-5 |
| DODGE & COX INTERNATIONAL STOCK FUND |
| EATON VANCE ATLANTA CAPITAL SMID-CAP FUND CLASS A |
| HARBOR MID CAP VALUE FUND INSTITUTIONAL CLASS |
| JPMORGAN MID CAP GROWTH FUND R-5 |
| LOOMIS SAYLES SMALL CAP GROWTH FUND RETAIL CLASS |
| METROPOLITAN WEST TOTAL RETURN BOND FUND CLASS M |
| MFS VALUE FUND CLASS R-3 |
| NORTHERN SMALL CAP VALUE FUND |
| SCHWAB 1000 INDEX FUND |
| T. ROWE PRICE GROWTH STOCK FUND |
| VANGUARD EXTENDED MARKET INDEX FUND ADMIRAL SHARES |
| VANGUARD PRIMECAP FUND ADMIRAL SHARES |
| VANGUARD SMALL-CAP GROWTH INDEX FUND ADMIRAL SHARES |
Investment model portfolios
We provide two types of investment model portfolios for THE WORLD GROUP SAVINGS AND INVESTMENT 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 WORLD GROUP SAVINGS AND INVESTMENT PLAN