Investment options of WORTH ROSS 401(K) PLAN
Total Available Funds: 64
| Investment Option List |
|---|
| Vanguard Small Cap Value Index Fund – Admiral Class (VISVX) |
| Vanguard Target Retirement 2040 Fund – Investor Class (VFORX) |
| Vanguard Target Retirement 2050 Fund – Investor Class (VFIFX) |
| Vanguard Target Retirement 2030 Fund – Investor Class (VTHRX) |
| T. Rowe Price T Rowe Price Small Cap Value Fund – Class I (PRSVX) |
| Vanguard Target Retirement Income Fund – Investor Class (VTINX) |
| Vanguard Target Retirement 2035 Fund – Investor Class (VTTHX) |
| Amundi US Pioneer Fundamental Growth Fund – Class K (PIGFX) |
| American Funds Washington Mutual Investors Fund R6 (FWMMX) |
| BlackRock iShares MSCI EAFE International Index Fund – Class K (BTMPX) |
| Vanguard Target Retirement 2045 Fund – Investor Class (VTIVX) |
| Vanguard Target Retirement 2065 Fund – Investor Class (VSXFX) |
| Vanguard Target Retirement 2060 Fund – Investor Class (VTTSX) |
| American Funds American Balanced Fund – Class R6 (GBLAX) |
| Dimensional Fund Advisors DFA Commodity Strategy Portfolio – Institutional Class (DCMSX) |
| Vanguard Target Retirement 2070 Fund – Investor Class (VSVNX) |
| Vanguard Target Retirement 2025 Fund – Investor Class (VTTVX) |
| Vanguard Target Retirement 2020 Fund – Investor Class (VTWNX) |
| Vanguard Target Retirement 2055 Fund – Investor Class (VFFVX) |
| SSGA Funds Management Inc State Street Equity 500 Index Fund – Class K (STFAX) |
| T. Rowe Price Dividend Growth Fund – Class I (PRDGX) |
| American Century Investments American Century Emerging Markets Fund – Class R6 (ACADX) |
| American Funds Inflation Linked Bond Fund – Class R6 (BFICX) |
| Vanguard Small Cap Index Fund – Admiral Class (VISVX) |
| Janus Capital Management LLC Janus Henderson Triton Fund – Class N (JSMGX) |
| BlackRock iShares U.S. Aggregate Bond Index Fund – Class K (BMOPX) |
| JPMorgan Equity Income Fund – Class R6 (OIEJX) |
| PGIM Investments PGIM High Yield Fund – Class R6 (PHYEX) |
| T. Rowe Price Overseas Stock Fund – Class I (TROSX) |
| BlackRock iShares Russell Mid-Cap Index Fund – Class K (CMGIX) |
| Invesco Stable Asset Fund – ADPZ Class |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VANGUARD SM CAP VAL INDEX ADM (VSLVX) |
| VAN TARGET RETIRE 2040 (HARYX) |
| VAN TARGET RETIRE 2050 (PDTIX) |
| VAN TARGET RETIRE 2030 |
| T ROWE PRICE SMALL CAP VALUE I (PRSVX) |
| VAN TARGET RETIRE INC |
| VAN TARGET RETIRE 2035 |
| PIONEER FUNDAMENTAL GROWTH K (PIGFX) |
| AMERICAN FUNDS WAMU – R6 |
| ISHARES MSCI EAFE INTL INDEX K (BTMGX) |
| VAN TARGET RETIRE 2045 (VTIVX) |
| VAN TARG RETIRE 2065 |
| VAN TARG RETIRE 2060 |
| AMERFUNDS AMER BALANCED – R6 |
| DFA COMMODITY STRAT PORT INST (DFXIX) |
| VAN TARG RETIRE 2070 |
| VAN TARGET RETIRE 2025 (VTTVX) |
| VAN TARGET RETIRE 2020 |
| VAN TARGET RETIRE 2055 |
| STATE ST EQUITY 500 INDEX K (STFAX) |
| T. ROWE PRICE DIVIDEND GR I (PRDGX) |
| AMC EMERGING MKTS – R6 |
| AMF INFL LINKED BOND R6 |
| VANGUARD SMALL CAP INDEX ADMRL (VISVX) |
| JANUS HENDERSON TRITON FUND N (JSMGX) |
| ISHARES US AGGREGATE BD IDX K |
| JPMORGAN EQUITY INCOME FUND R6 (HLIEX) |
| PGIM HIGH YIELD FUND R6 (PHYEX) |
| T ROWE PRICE OVERSEAS STOCK (TROSX) |
| ISHARES RUSSELL MIDCAP INDEX K |
| INVESCO STABLE ASSET – ADPZ |
Investment model portfolios
We provide two types of investment model portfolios for WORTH ROSS 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 WORTH ROSS 401(K) PLAN