Investment options of GRAEF RETIREMENT SAVINGS PLAN
Total Available Funds: 28
| Investment Option List |
|---|
| American Century Mid Cap Value (IACIX) |
| American Century American Funds Balanced (GBLAX) |
| American Century American Funds Euro Pacific Growth (ACLIX) |
| American Century American Funds Washington Mutual (FWMMX) |
| American Century American Growth Fund of America (ACLIX) |
| BlackRock High Yield Bond Portfolio (BHYIX) |
| Clearbridge Clearbridge Small Cap Growth Fund Class (SBPYX) |
| GQG Partners GQG Partners Emerging Markets Equity (GQGIX) |
| JP Morgan JP Morgan Equity Income (TWEIX) |
| JP Morgan JP Morgan Large Cap Growth (SNIGX) |
| Macquarie Macquarie Mid Cap Growth (VMGIX) |
| Macquarie Macquarie Small Cap Value Fund Class (VISVX) |
| Neuberger Berman Neuberger Berman Strategic Income (LBSTX) |
| Vanguard 500 Index- Admiral (VFINX) |
| Vanguard Mid Cap Index Adm (VIMSX) |
| Vanguard Small Cap Index- Admiral (VISVX) |
| Vanguard Target Retirement 2020 (VTWNX) |
| Vanguard Target Retirement 2025 (VTTVX) |
| Vanguard Target Retirement 2030 (VTHRX) |
| Vanguard Target Retirement 2035 (VTTHX) |
| Vanguard Target Retirement 2040 (VFORX) |
| Vanguard Target Retirement 2045 (VTIVX) |
| Vanguard Target Retirement 2050 (VFIFX) |
| Vanguard Target Retirement 2055 (VFFVX) |
| Vanguard Target Retirement 2060 (VTTSX) |
| Vanguard Target Retirement 2065 (VSXFX) |
| Vanguard Target Retirement Income (VTINX) |
| GRAEF Common Stock Participant Directed Account (FMIMX) |
Investment model portfolios
We provide two types of investment model portfolios for GRAEF RETIREMENT SAVINGS 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 GRAEF RETIREMENT SAVINGS PLAN