Investment options of RHD INVESTORS CHOICE 403(B) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| AMERICAN FUNDS US GOVERNMENT SEC R6 MUTUAL FUNDS |
| DELAWARE IVY MID CAP GROWTH R6 MUTUAL FUNDS |
| DODGE & COX INCOME FUND MUTUAL FUNDS |
| FED HERMES MDT SMALL CAP GROWTH MUTUAL FUNDS |
| FEDERATED HERMES MDT SMALL CAP GROWTH R6 MUTUAL FUNDS |
| FID 500 INDEX MUTUAL FUNDS |
| FID ASSET MGR 50% MUTUAL FUNDS |
| FID ASSET MGR 60% MUTUAL FUNDS |
| FID BALANCED MUTUAL FUNDS |
| FID CONTRAFUND MUTUAL FUNDS |
| FID DIVIDEND GR MUTUAL FUNDS |
| FID EQUITY INCOME MUTUAL FUNDS |
| FID FDM IDX 2015 IPR MUTUAL FUNDS |
| FID FDM IDX 2020 IPR MUTUAL FUNDS |
| FID FDM IDX 2025 IPR MUTUAL FUNDS |
| FID FREEDOM 2020 MUTUAL FUNDS |
| FID FREEDOM 2025 MUTUAL FUNDS |
| FID GROWTH COMPANY MUTUAL FUNDS |
| FID INFL PR BD IDX MUTUAL FUNDS |
| FID INVST GR BD MUTUAL FUNDS |
| FID TOTAL BOND MUTUAL FUNDS |
| MFS MID CAP VALUE R6 MUTUAL FUNDS |
| T. ROWE PRICE BLUE CHIP GROWTH I MUTUAL FUNDS |
| VANGUARD 500 INDEX ADMIRAL MUTUAL FUNDS |
| VANGUARD EQUITY INCOME FUND ADMIRAL SHAR MUTUAL FUNDS |
| VANGUARD FEDERAL MONEY MARKET FUND MUTUAL FUNDS |
| VANGUARD INTERNATIONAL VALUE FUND MUTUAL FUNDS |
| VANGUARD TARGET RETIREMENT INCOME FUND MUTUAL FUNDS |
| VANGUARD TARGET RETIREMENT 2025 FUND MUTUAL FUNDS |
| VANGUARD TARGET RETIREMENT 2030 FUND MUTUAL FUNDS |
Investment model portfolios
We provide two types of investment model portfolios for RHD INVESTORS CHOICE 403(B) 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 RHD INVESTORS CHOICE 403(B) PLAN