Investment options of FAIRBANKS MORSE RETIREMENT SAVINGS PLAN
Total Available Funds: 26
| Investment Description |
|---|
| VANGUARD FED MONEY MARKET FUND |
| ALLSPRING SMALL CAP VAL R6 |
| AMCENT EMERGING MARKETS R6 |
| AMERICAN BALANCED FUND R6 |
| AMERICAN CENTURY SMALL CAP VALUE R6 |
| AMERICAN FUNDS EUROPACIFIC GR R6 |
| BLACKROCK TOTAL RETURN K |
| EUROPACIFIC GROWTH R6 |
| FEDERATED HERMES TOTAL RTRN GOVT BOND |
| HARBOR CAP APPRECIATION RTMT |
| HARBOR CAPITAL APPRECIATION INSTL |
| INVESCO DEVELOPING MARKETS FUND |
| JANUS HENDERSON TRITON FUND N SHARES |
| LOOMIS SAYLE SMALL CAP GRTH N |
| METROPOLITAN WEST TOTAL RETURN BOND FUND |
| MFS TOTAL RETURN FUND CLASS R4 |
| PGIM JENNISON MID CAP GROWTH |
| PIMCO HIGH YIELD INSTL |
| PIMCO INTR BD FD (US DOLLAR-HEDGED) INST |
| THORNBURG INTERNATIONAL EQUITY FUND |
| TROWE PRICE MIDCAP GROWTH I |
| VANGUARD 500 INDEX ADMIRAL |
| VANGUARD EXTENDED MKT INDX ADM |
| VANGUARD INSTITUTIONAL INDEX |
| VANGUARD MID CAP INDEX ADM |
| VANGUARD SMALL-CAPE |
Investment model portfolios
We provide two types of investment model portfolios for FAIRBANKS MORSE RETIREMENT SAVINGS 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 FAIRBANKS MORSE RETIREMENT SAVINGS PLAN