Investment options of UNITED REFINING COMPANY INCENTIVE SAVINGS PLAN FOR SALARIED EMPLOYEES
Total Available Funds: 30
| Investment Description |
|---|
| FEDERATED INVESTORS TRUST COMPANY |
| FEDERATED CAPITAL PRESERVATION TRUST FUND |
| AMERICAN FUNDS BALANCED FUND |
| EUROPACIFIC GR FUND |
| GROWTH FUND OF AMERICA |
| TARGET DATE 2020 RETIREMENT FUND |
| TARGET DATE 2025 RETIREMENT FUND |
| TARGET DATE 2030 RETIREMENT FUND |
| TARGET DATE 2035 RETIREMENT FUND |
| TARGET DATE 2040 RETIREMENT FUND |
| TARGET DATE 2045 RETIREMENT FUND |
| TARGET DATE 2050 RETIREMENT FUND |
| TARGET DATE 2055 RETIREMENT FUND |
| TARGET DATE 2060 RETIREMENT FUND |
| AMERICAN GROWTH FD AMER |
| BLACKROCK EQ DIVIDEND A |
| BLACKROCK GLOBAL ALLOC A |
| FEDERATED HERMES MDT SMLL CP A |
| FEDERATED HERMES MID CAP INDEX |
| FIDELITY ADV STRATEGIC |
| FRANKLIN SMALL CAP VALUE CL A |
| INVESCO COMSTOCK FUND CL A |
| ISHARES S& 500 INDEX FD INSTL |
| JANUS HNDRSN GRTH AND INCM A |
| JP MORGAN LARGE CAP GRTH R3 |
| MFS INTERNAT DIVERSIFICATION A |
| PIONEER SELECT MID CAP GRWTH A |
| THORNBURG LTD TERM INCOME R4 |
| VICTORY SYCAMORE EST VAL FD A |
| WESTERN ASSET CORE PLUS CL A |
Investment model portfolios
We provide two types of investment model portfolios for UNITED REFINING COMPANY INCENTIVE SAVINGS PLAN FOR SALARIED EMPLOYEES 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 UNITED REFINING COMPANY INCENTIVE SAVINGS PLAN FOR SALARIED EMPLOYEES