Investment options of OPPORTUNITY PARTNERS RETIREMENT PLAN
Total Available Funds: 23
| Investment Description |
|---|
| AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-4 |
| DELAWARE DELAWARE VALUE R FUND |
| FIDELITY FIDELITY 500 IDX PREMIUM FD |
| FIDELITY FIDELITY SMALL CAP IDX PREM FD |
| FIDELITY FIDELITY MID CAP INDEX PREM FD |
| MASS MUTUAL MASS MUTUAL MID CAP GROWTH II R4 FUND |
| FRANKLIN TEMPLETON FRANKLIN SMALL CAP VALUE R6 FD |
| PRINCIPAL PRINCIPAL REAL ESTATE SECS R5 FUND |
| PGIM INVESTMENTS PGIM TOTAL RET BOND Z FD |
| T. ROWE PRICE T. ROWE PRICE BLUE CHIP GR FD |
| TIAA- CREF TIAA- CREF LFCY IDX 2010 INST |
| TIAA- CREF TIAA- CREF LFCY IDX 2015 INST |
| TIAA- CREF TIAA- CREF LFCY IDX 2020 INST |
| TIAA- CREF TIAA- CREF LFCY IDX 2025 INST |
| TIAA- CREF TIAA- CREF LFCY IDX 2030 INST |
| TIAA- CREF TIAA- CREF LFCY IDX 2035 INST |
| TIAA- CREF TIAA- CREF LFCY IDX 2040 INST |
| TIAA- CREF TIAA- CREF LFCY IDX 2045 INST |
| TIAA- CREF TIAA- CREF LFCY IDX 2050 INST |
| TIAA- CREF TIAA- CREF LFCY IDX 2055 INST |
| TIAA- CREF TIAA- CREF LFCY IDX 2060 INST |
| VANGUARD VANGUARD TTL INTL STK INDX ADM FD |
| WELLS FARGO ALLSPRING SPECIAL MID CAP VALUE A |
Investment model portfolios
We provide two types of investment model portfolios for OPPORTUNITY PARTNERS 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 OPPORTUNITY PARTNERS RETIREMENT PLAN