Investment options of TRIMAS SALARIED RETIREMENT PROGRAM
Total Available Funds: 33
| Investment Description |
|---|
| Neuberger Berman Large Cap Value Fund R6 |
| JPMorgan Value Advantage Fund L |
| BlackRock Mid-Cap Growth Equity Portfolio Fund K |
| Royce Funds Small-Cap Opportunity Fund Institutional |
| Hartford Funds Core Equity Fund R5 |
| Western Asset Intermediate Bond Fund I |
| Janus Investments High Yield Bond Fund T |
| American Century Mid Cap Value Fund R6 |
| American Funds Europacific Growth Fund R6 |
| Calamos Investments International Growth Fund I |
| American Century Investments Emerging Markets Fund R6 |
| Vanguard Group Inc. Small-Cap Value Index Fund Admiral |
| Fidelity Investments Balanced Fund K |
| Fidelity Investments Low Priced Stock Fund K |
| Fidelity Investments U.S. Bond |
| Fidelity Investments |
| Fidelity Investments Mid Cap |
| Fidelity Investments Small Cap |
| Fidelity Investments Freedom Income K |
| Fidelity Investments Freedom 2010 K |
| Fidelity Investments Freedom 2015 K |
| Fidelity Investments Freedom 2020 K |
| Fidelity Investments Freedom 2025 K |
| Fidelity Investments Freedom 2030 K |
| Fidelity Investments Freedom 2035 K |
| Fidelity Investments Freedom 2040 K |
| Fidelity Investments Freedom 2045 K |
| Fidelity Investments Freedom 2050 K |
| Fidelity Investments Freedom 2055 K |
| Fidelity Investments Freedom 2060 K |
| Fidelity Investments Freedom 2065 K |
| Fidelity Investments Growth Company K6 Fund |
| Notes receivable from participants 4.25% to 9.5% with various maturity dates |
Investment model portfolios
We provide two types of investment model portfolios for TRIMAS SALARIED RETIREMENT PROGRAM 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 TRIMAS SALARIED RETIREMENT PROGRAM