Investment options of WESTERN PARTITIONS, INC. 401(K) PROFIT SHARING PLAN
Total Available Funds: 27
| Investment Description |
|---|
| MM Premier U. S. Government Money Market Fund Class R5 |
| MM Invesco Oppenheimer Developing Markets Fund Class Y |
| MM MSCI EAFE International Index Fund Service Class Shares |
| MM Select T. Rowe Price Retirement 2060 Fund Class M4 |
| MM Invesco Oppenheimer International Bond Fund Class Y |
| MM Select T. Rowe Price Retirement 2010 Fund |
| MM American Funds The Growth Fund of America Class R-4 |
| MM PIMCO Income Fund Class A |
| MM Nuveen Small Cap Fund Class A |
| MM American Funds American Balanced Fund Class R-4 |
| MM Select T. Rowe Price Retirement 2020 Fund Class M4 |
| MM Invesco Global Opportunities Fund Class A |
| MM Manning & Napier Pro-Blend Max Term S |
| MM Select T. Rowe Price Retirement 2050 Fund Class M4 |
| MM Select MetWest Total Return Bond Fund Class R4 |
| MM PIMCO High Yield Fund Class A |
| MM Select T. Rowe Price Retirement 2030 Fund Class M4 |
| MM Pioneer Disciplined Value Fund Class Y |
| MM American Funds Capital World Growth and Income Fund |
| MM PIMCO Commodity Real Return Strategy Fund Class A |
| MM Select T. Rowe Price Retirement 2040 Fund Class M4 |
| MM Royce Total Return Fund Service Class |
| MM Janus Henderson Mid Cap Value Fund Class S |
| MM Select Equity Opportunities Fund Class R5 |
| MM Select T. Rowe Price Mid Cap Growth Fund Admin Class |
| MM Select T. Rowe Price Blue Chip Growth Fund Admin Class |
| MM Invesco Mid Cap Core Equity Fund Class A |
Investment model portfolios
We provide two types of investment model portfolios for WESTERN PARTITIONS, INC. 401(K) PROFIT SHARING 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 WESTERN PARTITIONS, INC. 401(K) PROFIT SHARING PLAN