MACANDREWS & FORBES GROUP, LLC SAVINGS OR CASH OPTION PLAN FOR EMPLOYEES Investment Options

Basic steps for MACANDREWS & FORBES GROUP, LLC SAVINGS OR CASH OPTION PLAN FOR EMPLOYEES investments

  1. Understand Your Goals and Risk Tolerance: Consider your retirement goals, time horizon, and risk tolerance when choosing investments. Are you saving for retirement, or do you have other financial goals in mind? How comfortable are you with market fluctuations?
  2. Diversification: Diversification is key to managing risk in your investment portfolio. Spread your investments across different asset classes (e.g., stocks, bonds, cash equivalents) and sectors to reduce the impact of market volatility.
  3. Asset Allocation: Determine the appropriate mix of assets for your investment portfolio based on your goals and risk tolerance. This may involve allocating a percentage of your portfolio to stocks, bonds, and cash equivalents.
  4. Review Investment Options: Evaluate the investment options available within MACANDREWS & FORBES GROUP, LLC SAVINGS OR CASH OPTION PLAN FOR EMPLOYEES (see below for more detailed investment options). Look for funds with low fees, consistent performance, and a track record of meeting their investment objectives.
  5. Consider Target-Date Funds: Target-date funds are a popular option for retirement savings because they automatically adjust the asset allocation over time based on your expected retirement date. These funds can be a convenient option for investors who prefer a hands-off approach to investing.
  6. Monitor and Rebalance: Periodically review your investment portfolio and make adjustments as needed. Rebalance your portfolio to maintain your desired asset allocation and ensure it remains aligned with your goals and risk tolerance.
  7. Seek Professional Advice: If you’re unsure about which investments to choose or how to allocate your assets, consider seeking advice from a financial advisor. They can help you develop an investment strategy tailored to your individual needs and circumstances.

By following these steps, you can set up a 401(k) plan and choose investments that align with your long-term financial goals and objectives. Remember that investing involves risk, and it’s important to carefully consider your options and seek professional advice if needed.

Investment Options

MACANDREWS & FORBES GROUP, LLC SAVINGS OR CASH OPTION PLAN FOR EMPLOYEES provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):

Total Available Funds: 29
Asset Class Ticker Description
US EQUITY
LARGE VALUE DDVIX Delaware Value Inst
LARGE BLEND SWPPX Schwab S&P 500 Index
LARGE GROWTH TRBCX T. Rowe Price Blue Chip Growth
SMALL BLEND GSSIX Goldman Sachs Small Cap Value Inst
MID-CAP VALUE JVMIX JHancock3 Disciplined Value Mid Cap I
Mid-Cap Growth MEFZX MassMutual Select Mid Cap Gr Eq II Z
MID-CAP BLEND MPSIX Principal MidCap S&P 400 Index Inst
INTERNATIONAL EQUITY
Foreign Large Growth DISRX Dreyfus International Stock I
Foreign Large Value MINGX MFS International Value R3
Emerging Market
DIVERSIFIED EMERGING MKTS EMGNX Wells Fargo Advantage Emerg Mkts Eq I
REAL ESTATE
US Real Estate MGLRX MFS Global Real Estate R6
COMMODITIES
COMMODITIES BROAD BASKET PCRIX PIMCO Commodity Real Ret Strat Instl
Others
Moderate Allocation RLBGX American Funds American Balanced R6
Target Date 2000-2010 RFTTX American Funds Trgt Date Ret 2010 R6
Target Date 2011-2015 RFJTX American Funds Trgt Date Ret 2015 R6
Target Date 2016-2020 RRCTX American Funds Trgt Date Ret 2020 R6
Target Date 2021-2025 RFDTX American Funds Trgt Date Ret 2025 R6
Target Date 2026-2030 RFETX American Funds Trgt Date Ret 2030 R6
Target Date 2031-2035 RFFTX American Funds Trgt Date Ret 2035 R6
Target Date 2036-2040 RFGTX American Funds Trgt Date Ret 2040 R6
Target Date 2041-2045 RFHTX American Funds Trgt Date Ret 2045 R6
Target Date 2046-2050 RFITX American Funds Trgt Date Ret 2050 R6
Target Date 2051+ RFKTX American Funds Trgt Date Ret 2055 R6
Target Date 2056-2060 RFUTX American Funds 2060 Trgt Date Retire R6
ROOT CASH SNSSX (Schwab US Treasury Money Investor)
FIXED INCOME
WORLD BOND SDGIX Dreyfus/Standish Global Fixed Income I
Intermediate-Term Bond PDBZX Prudential Total Return Bond Z
Multisector Bond PIINX PIMCO Income Adm
Inflation-Protected Bond PRRIX PIMCO Real Return Instl

Click to view the investment model portfolios of this plan ►

How to invest

Key principles in retirement investing:

  • Proper asset allocation among stocks and bonds, the two major assets. Proper assess your risk tolerance level based on your age, financial situation, personal emotional level to tolerate up and down, and retirement expectation.
  • Invest in (ultra) low cost index funds if possible. Don’t get caught up with flashy funds.
  • Invest for a long term: financial markets are up and down and investment values are subject to fluctuation. However, viewed as business investments, you can be assured that diversified funds (stocks and bonds) have solid business fundamental that eventually will deliver inflation beating returns for stocks.

See Four-Step Guide for 401(k) Retirement Investing.

Click to view the investment model portfolios of this plan ►

Basic asset allocation templates

The following asset allocation templates are based on popular lazy portfolios. These are core or major asset class-based portfolios using ultra-low-cost index funds for each asset class. Once you have decided on your proper risk asset (stocks) allocation, you can utilize these lazy portfolio templates to scale the allocations to your risk allocation level. See Asset Allocation Portfolio Templates for a guide:

The return data shown below all have the same latest date: 04/21/2025.
Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Inception
Four Core Asset Portfolio -4.43% 4.42% 3.00% 7.23% 5.57% 6.59% 6.48% 6.19%
Five Core Asset Portfolio -4.69% 4.40% 2.88% 7.08% 5.48% 6.48% 6.56% 6.38%
Three Core Asset Portfolio -4.96% 4.07% 3.73% 7.66% 5.91% 6.81% 6.57% 6.10%
Two Core Asset Portfolio -7.64% 3.48% 4.00% 8.13% 6.90% 8.00% 7.24% 6.56%
Yale Endowment Template -4.18% 5.24% 1.68% 6.98% 5.88% 7.47% 7.28% 7.45%
S&P 500 Index -11.99% 4.20% 6.98% 15.22% 11.29% 12.16% 9.75% 7.90%

See how your investments are doing


Enter the funds you have chosen from this plan along with their weights, and see how such a portfolio has performed.

Click for portfolio calculator

Recent Articles

Free newsletters

High quality resources for 401k, 403b, 529 retirement plans on investment, contribution, fees, retirement planning and much more ...

Puzzled on what to invest?

  • We ask a few questions to decide your personal return and risk expectations
  • We build a custom portfolio for your plan (401(k), 403(b), 529 ...) or for a  brokerage account
  • We monitor and send timely rebalance emails on what investment funds to buy and sell

Get Started

Looking for ideas to generate income?

  • ETF or mutual fund income portfolios for 4-7% annual income
  • Dividend stock funds
  • Passive real estate investments
  • more ...

Click for tips and plans for income

Portfolio Calculator (Simulator)

Quickly enter fund allocation and get a back test result on the performance of this 'lazy' portfolio.

Customize Asset Allocation Portfolios

Build a custom model portfolio using our asset strategic or tactical strategies, tailored to a 401(k) plan or for a brokerage account.

Retirement Calculator

See how much you can save for retirement.

Investment Calculator

Grow your wealth and see the power of compounding.


Looking for a (forgotten) 401(k)?

Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan ...