Investment options of SAPUTO USA 401(K) PLAN
Total Available Funds: 14
| Investment Option List |
|---|
| T. Rowe Price Retire 2005 TR Fund Collective Trust Fund (TRRFX) |
| T. Rowe Price Retire 2010 TR Fund Collective Trust Fund (TRRAX) |
| T. Rowe Price Retire 2015 TR Fund Collective Trust Fund (TRRGX) |
| T. Rowe Price Retire 2020 TR Fund Collective Trust Fund (TRRBX) |
| T. Rowe Price Retire 2025 TR Fund Collective Trust Fund (TRRHX) |
| T. Rowe Price Retire 2030 TR Fund Collective Trust Fund (TRRCX) |
| T. Rowe Price Retire 2035 TR Fund Collective Trust Fund (TRRJX) |
| T. Rowe Price Retire 2040 TR Fund Collective Trust Fund (TRRDX) |
| T. Rowe Price Retire 2045 TR Fund Collective Trust Fund (TRRKX) |
| T. Rowe Price Retire 2050 TR Fund Collective Trust Fund (TRRMX) |
| T. Rowe Price Retire 2055 TR Fund Collective Trust Fund (TRRNX) |
| T. Rowe Price Retire 2060 TR Fund Collective Trust Fund (TRPLX) |
| T. Rowe Price Retire 2065 TR Fund Collective Trust Fund (PASUX) |
| Wellington CIF Small Cap Opps Collective Trust Fund (JCPIX) |
Investment model portfolios
We provide two types of investment model portfolios for SAPUTO USA 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 SAPUTO USA 401(K) PLAN