Investment options of WORLD OIL SAVINGS AND RETIREMENT PLAN
Total Available Funds: 24
| Investment Description |
|---|
| AMERIPRISE TRUST COMPANY |
| COLUMBIA TRUST STABLE GOVERNMENT I-0 FUND |
| JPMORGAN CHASE BANK JPMCB SMART RET PB 2020 C |
| JPMORGAN CHASE BANK JPMCB SMART RET PB 2025 C |
| JPMORGAN CHASE BANK JPMCB SMART RET PB 2030 C |
| JPMORGAN CHASE BANK JPMCB SMART RET PB 2035 C |
| JPMORGAN CHASE BANK JPMCB SMART RET PB 2040 C |
| JPMORGAN CHASE BANK JPMCB SMART RET PB 2045 C |
| JPMORGAN CHASE BANK JPMCB SMART RET PB 2050 C |
| JPMORGAN CHASE BANK JPMCB SMART RET PB 2055 C |
| JPMORGAN CHASE BANK JPMCB SMART RET PB INCOME C |
| AMERICAN BEACON AMER BEA LG CP VL INSTL FD |
| AMERICAN BEACON AMER BEACON INTL EQ INST FD |
| AMERICAN FUNDS AMERICAN FUNDS AMCAP R6 |
| DFA US DFA U. S. TARGETED VALUE CL I |
| OPPENHEIMER INVESCO OPPENHEIMER DEVMKTS R6 |
| PIMCO FUNDS PIMCO INCOME INSTITUTIONAL |
| CHARLES SCHWAB FUNDS SCHWAB US MID CAP IDX |
| CHARLES SCHWAB FUNDS SCHWAB S& P 500 INDEX FUND |
| CHARLES SCHWAB FUNDS SCHWAB SMALL-CAP INDEX FUND |
| CHARLES SCHWAB FUNDS SCHWAB INTERNATIONAL INDEX FD |
| VANGUARD VANGUARD SHRT TERM INFL PRO |
| VANGUARD VANGUARD SELECTED VALUE |
| WESTERN WESTERN ASSET CORE PLUS BOND I |
Investment model portfolios
We provide two types of investment model portfolios for WORLD OIL SAVINGS AND RETIREMENT 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 WORLD OIL SAVINGS AND RETIREMENT PLAN