Investment options of DFS RETIREMENT PLAN
Total Available Funds: 27
| Investment Option List |
|---|
| DODGE & COX INCOME FUND (DODIX) |
| T. ROWE PRICE EQUITY INCOME FUND ADVISORY CLASS (PRFDX) |
| NEUBERGER BERMAN GENESIS FUND CLASS R6 (NRGSX) |
| ABERDEEN EMERGING MARKETS FUND (GEGAX) |
| VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES (VTMGX) |
| VANGUARD INFLATION-PROTECTED SECURITIES FUND ADMIRAL SHARES (VAIPX) |
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND (FEPUX) |
| FIDELITY SHORT TERM BOND |
| FIDELITY CONTRAFUND FUND (FCNTX) |
| FIDELITY U. S. BOND INDEX FUND |
| FIDELITY 500 INDEX FUND INSTITUTIONAL CLASS (FXSIX) |
| FIDELITY EXTENDED MARKET FUND (FSEMX) |
| FIDELITY FREEDOM INCOME FUND – CLASS K (FNSHX) |
| FIDELITY FREEDOM 2005 FUND CLASS K (FSNJX) |
| FIDELITY FREEDOM 2010 FUND CLASS K (FSNKX) |
| FIDELITY FREEDOM 2015 FUND CLASS K (FSNLX) |
| FIDELITY FREEDOM 2020 FUND CLASS K (FSNOX) |
| FIDELITY FREEDOM 2025 FUND CLASS K (FSNPX) |
| FIDELITY FREEDOM 2030 FUND CLASS K (FSNQX) |
| FIDELITY FREEDOM 2035 FUND CLASS K (FSNUX) |
| FIDELITY FREEDOM 2040 FUND CLASS K (FSNVX) |
| FIDELITY FREEDOM 2045 FUND CLASS K (FSNZX) |
| FIDELITY FREEDOM 2050 FUND CLASS K (FNSBX) |
| FIDELITY FREEDOM 2055 FUND CLASS K (FNSDX) |
| FIDELITY FREEDOM 2060 FUND CLASS K (FNSFX) |
| FIDELITY FREEDOM 2065 FUND CLASS K (FFSDX) |
| FIDELITY INVESTMENTS MONEY MARKET FUNDS GOVERNMENT PORTFOLIO INSTITUTIONAL CLASS (GVMXX) |
Investment model portfolios
We provide two types of investment model portfolios for DFS 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 DFS RETIREMENT PLAN