Investment options of WYNRIGHT 401(K) PLAN AND TRUST
Total Available Funds: 30
| Investment Option List |
|---|
| T. ROWE PRICE TRUST COMPANY SELF-DIRECTED BROKERAGE (TRVLX) |
| T. ROWE PRICE TRUST COMPANY TRP STABLE VALUE FUND SCH N (TRVLX) |
| T. ROWE PRICE TRUST COMPANY CAPITAL APPRECIATION FUND (PRWCX) |
| T. ROWE PRICE TRUST COMPANY EQUITY INDEX 500 FUND (PREIX) |
| T. ROWE PRICE TRUST COMPANY GROWTH STOCK FUND (PRGFX) |
| T. ROWE PRICE TRUST COMPANY RETIREMENT 2005 FUND (TRRFX) |
| T. ROWE PRICE TRUST COMPANY RETIREMENT 2010 FUND (TRRAX) |
| T. ROWE PRICE TRUST COMPANY RETIREMENT 2015 FUND (TRRGX) |
| T. ROWE PRICE TRUST COMPANY RETIREMENT 2020 FUND (TRRBX) |
| T. ROWE PRICE TRUST COMPANY RETIREMENT 2025 FUND (TRRHX) |
| T. ROWE PRICE TRUST COMPANY RETIREMENT 2030 FUND (TRRCX) |
| T. ROWE PRICE TRUST COMPANY RETIREMENT 2035 FUND (TRRJX) |
| T. ROWE PRICE TRUST COMPANY RETIREMENT 2040 FUND (TRRDX) |
| T. ROWE PRICE TRUST COMPANY RETIREMENT 2045 FUND (TRRKX) |
| T. ROWE PRICE TRUST COMPANY RETIREMENT 2050 FUND (TRRMX) |
| T. ROWE PRICE TRUST COMPANY RETIREMENT 2055 FUND (TRRNX) |
| T. ROWE PRICE TRUST COMPANY RETIREMENT 2060 FUND (TRPLX) |
| T. ROWE PRICE TRUST COMPANY RETIREMENT 2065 FUND (PASUX) |
| T. ROWE PRICE TRUST COMPANY SMALL-CAP STOCK FUND (TRSSX) |
| T. ROWE PRICE TRUST COMPANY SMALL-CAPE VALUE FUND (PRSVX) |
| T. ROWE PRICE TRUST COMPANY SPECTRUM INCOME FUND (TSPNX) |
| T. ROWE PRICE TRUST COMPANY T ROWE PRICE RETIRE BAL INV (TRAVX) |
| T. ROWE PRICE TRUST COMPANY QM US BOND INDEX FUND (RPIBX) |
| THE VANGUARD GROUP VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL (VDMIX) |
| THE VANGUARD GROUP VANGUARD MID-CAP INDEX FUND INSTITUTIONAL (VIMSX) |
| THE VANGUARD GROUP VANGUARD FEDERAL MONEY MARKET FUND (VMFXX) |
| THE VANGUARD GROUP VANGUARD SMALL CAP INDEX FUND ADMIRAL (VISVX) |
| BAIRD BAIRD AGGREGATE BOND FUND INSTITUTIONAL (BAGIX) |
| PUTNAM INVESTMENT MANAGEMENT LLC EQUITY INCOME FUND R6 (PEIYX) |
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND R6 (FEPUX) |
Investment model portfolios
We provide two types of investment model portfolios for WYNRIGHT 401(K) PLAN AND TRUST 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 WYNRIGHT 401(K) PLAN AND TRUST