Investment options of TROVE BRANDS 401(K) PLAN
Total Available Funds: 21
| Investment Option List |
|---|
| AMERICAN CENTURY EMERGING MARKETS R6 (ACADX) |
| AMERICAN CENTURY EQUITY INCOME R6 (AEIMX) |
| AMERICAN FUNDS 2025 TRGT DATE RETIRE R6 (FATSX) |
| AMERICAN FUNDS 2040 TRGT DATE RETIRE R6 (FATSX) |
| AMERICAN FUNDS 2045 TRGT DATE RETIRE R6 (FATSX) |
| AMERICAN FUNDS 2050 TRGT DATE RETIRE R6 (FATSX) |
| AMERICAN FUNDS 2055 TRGT DATE RETIRE R6 (FATSX) |
| AMERICAN FUNDS 2060 TRGT DATE RETIRE R6 (FATSX) |
| AMERICAN FUNDS 2065 TRGT DATE RETIRE R6 (FATSX) |
| AMERICAN FUNDS AMERICAN BALANCED R6 (GBLAX) |
| AMERICAN FUNDS NEW PERSPECTIVE R6 (FFPNX) |
| FIDELITY 500 INDEX (FUSEX) |
| FIDELITY MID CAP INDEX (FIIMX) |
| MFS INTL DIVERSIFICATION R6 (BIIDX) |
| PGIM HIGH-YIELD R6 (PHYEX) |
| PGIM TOTAL RETURN BOND R6 (PAIWX) |
| PIMCO INCOME INSTL (PRIFX) |
| PIMCO STOCKPLUS INTL (USD-HEDGED) INST |
| PIMCO STOCKPLUS LONG DURATION INSTL (PLRPX) |
| STATE STREET SMALL/MID CAP EQUITY IDX K (SSMHX) |
| T. ROWE PRICE BLUE CHIP GROWTH L (TRBCX) |
Investment model portfolios
We provide two types of investment model portfolios for TROVE BRANDS 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 TROVE BRANDS 401(K) PLAN