Investment options of TORCSILL 401(K) PLAN
Total Available Funds: 22
| Investment Description |
|---|
| AMCEN ULTRA R6 POOLED SEPARATE ACCOUNT |
| AMER BCN LARGE CAP VALUE R5 POOLED SEPARATE ACCOUNT |
| AMERICAN FUNDS NEW WORLD R6 POOLED SEPARATE ACCOUNT |
| AMERICAN FUNDS NW PRSPCTV R6 POOLED SEPARATE ACCOUNT |
| BLACKROCK MID-CAP GRW EQ POR K POOLED SEPARATE ACCOUNT |
| CLRBRG SMCP GRW FD IS POOLED SEPARATE ACCOUNT |
| DFA GLOBAL REAL EST SEC PT INS POOLED SEPARATE ACCOUNT |
| DFA INFL-PROT SEC PORT INS POOLED SEPARATE ACCOUNT |
| FIDELITY ADVISOR ENERGY CI Z POOLED SEPARATE ACCOUNT |
| FRANKLIN SM CAP VALUE FND R6 POOLED SEPARATE ACCOUNT |
| MFS CORE EQUITY FUND R6 POOLED SEPARATE ACCOUNT |
| MFS GROWTH FUND R6 POOLED SEPARATE ACCOUNT |
| MFS INTL DIVERSIFICATION FD R6 POOLED SEPARATE ACCOUNT |
| MFS VALUE FUND R6 POOLED SEPARATE ACCOUNT |
| PGIM HIGH YIELD FUND R6 POOLED SEPARATE ACCOUNT |
| PIMCO INCOME FUND INS POOLED SEPARATE ACCOUNT |
| PIMCO STOCKSPLUS INTL F INS POOLED SEPARATE ACCOUNT |
| TRWPR HEALTH SCIENCES FUND I POOLED SEPARATE ACCOUNT |
| VY TRWPR CAP APPREC PORT R6 POOLED SEPARATE ACCOUNT |
| VANGRD 500 INDEX FUND ADM POOLED SEPARATE ACCOUNT |
| VANGRD MID-CAP INDEX FUND ADM POOLED SEPARATE ACCOUNT |
| VANGRD SMALL-CAPE |
Investment model portfolios
We provide two types of investment model portfolios for TORCSILL 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 TORCSILL 401(K) PLAN