Investment options of VARSITY FORD 401K PLAN
Total Available Funds: 27
| Investment Description |
|---|
| Company T. Rowe Price Institutional Mid Cap Equity Growth |
| PIMCO Diversified Income Fund A |
| MFS International Value Fund Class R3 |
| T. Rowe Price Small Cap Stock Fund |
| Fidelity 500 Index Fund – Premium Class |
| Fidelity U.S. Bond Index Fund – Premium Class |
| American Beacon Small Cap Value Investor Class |
| Victory Sycamore Established Value Class Fund |
| Putnam Large Cap Value Fund |
| NYLI Winslow Large Cap Growth Class A |
| Company Managed Income Portfolio Class 2 |
| T. Rowe Price Retirement 2005 K |
| T. Rowe Price Retirement 2010 K |
| T. Rowe Price Retirement 2015 K |
| T. Rowe Price Retirement 2020 K |
| T. Rowe Price Retirement 2025 K |
| T. Rowe Price Retirement 2030 K |
| T. Rowe Price Retirement 2035 K |
| T. Rowe Price Retirement 2040 K |
| T. Rowe Price Retirement 2045 K |
| T. Rowe Price Retirement 2050 K |
| T. Rowe Price Retirement 2055 K |
| T. Rowe Price Retirement 2060 K |
| T. Rowe Price Retirement 2065 K |
| Great Gray EuroPacific Growth Class T |
| Fidelity Advisor Sustainable Core Plus Class I |
| 4.25 to 9.50 percent – |
Investment model portfolios
We provide two types of investment model portfolios for VARSITY FORD 401K 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 VARSITY FORD 401K PLAN