Investment options of ROSE'S SOUTHWEST PAPERS, INC. 401(K) PLAN PLAN
Total Available Funds: 28
| Investment Description |
|---|
| DB&T FDIC-INSURED INVESTMENT ACCOUNT MONEY MARKET FUND |
| FIDELITY 500 INDEX MUTUAL FUNDS |
| MFS GROWTH FUND CLASS R6 MUTUAL FUNDS |
| TIAA- CREFLIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS MUTUAL FUNDS |
| BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO CLASS K MUTUAL FUNDS |
| VANGUARD BALANCED INDEX FUND ADMIRAL SHARES MUTUAL FUNDS |
| MFS VALUE FUND CLASS R6 MUTUAL FUNDS |
| SCHWAB SMALL CAP INDEX FUND MUTUAL FUNDS |
| VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES MUTUAL FUNDS |
| TIAA- CREFLIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS MUTUAL FUNDS |
| TIAA- CREFLIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS MUTUAL FUNDS |
| TIAA- CREFLIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS MUTUAL FUNDS |
| TIAA- CREF REAL ESTATE SECURITIES FUND INSTITUTIONAL CLASS MUTUAL FUNDS |
| VANGUARD WELLESLEY INCOME ADMIRAL MUTUAL FUNDS |
| HARTFORD SCHRODERS INTERNATIONAL STOCK FUND CLASS SDR MUTUAL FUNDS |
| TIAA- CREFLIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS MUTUAL FUNDS |
| FEDERATED HERMES INSTITUTIONAL HIGH YIELD BOND FUND INSTITUTIONAL SH MUTUAL FUNDS |
| TIAA- CREFLIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS MUTUAL FUNDS |
| FIDELITY ADVISOR INVESTMENT GR BD Z MUTUAL FUNDS |
| JPMORGAN EMERGING MARKETS EQUITY FUND CLASS R6 MUTUAL FUNDS |
| INVESCO INTERNATIONAL SMALL-MID COMPANY FUND CLASS R6 MUTUAL FUNDS |
| JOHN HANCOCK FUNDS DISCIPLINED VALUE MID CAP FUND CLASS R6 MUTUAL FUNDS |
| TIAA- CREFLIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS MUTUAL FUNDS |
| TIAA- CREFLIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS MUTUAL FUNDS |
| TIAA- CREFLIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS MUTUAL FUNDS |
| VANGUARD INFLATION-PROTECTED SECURITIES FUND ADMIRAL SHARES MUTUAL FUNDS |
| LORD ABBETT SHORT DURATION INCOME FUND CLASS R6 MUTUAL FUNDS |
| PARAMETRIC COMMODITY STRATEGY I MUTUAL FUNDS |
Investment model portfolios
We provide two types of investment model portfolios for ROSE'S SOUTHWEST PAPERS, INC. 401(K) PLAN 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 ROSE'S SOUTHWEST PAPERS, INC. 401(K) PLAN PLAN