Investment options of JAMES RIVER GROUP, INC. 401(K) PLAN
Total Available Funds: 34
| Investment Description |
|---|
| American Funds Growth Fund of America R6 |
| American Funds New World R6 |
| American Funds Fundamental Investors R6 |
| Blackrock Managed Income K |
| Clearbridge Select Institutional Shares |
| Janus Henderson Mid-Cap Value Fund |
| PGIM High Yield R6 |
| Touchstone Small Company Institutional Shares |
| Vanguard 500 Index Fund Admiral Shares |
| Vanguard Wellesley Income Admiral Fund |
| Vanguard LifeStrategy Moderate Growth |
| Vanguard LifeStrategy Growth |
| Vanguard LifeStrategy Conservative Growth |
| Vanguard Equity Income Fund Admiral Shares |
| Vanguard Mid Cap Index Fund Admiral Shares |
| Vanguard Small Cap Index Fund Admiral Shares |
| Vanguard Target Retirement 2020 Institutional Shares |
| Vanguard Target Retirement 2025 Institutional Shares |
| Vanguard Target Retirement 2030 Institutional Shares |
| Vanguard Target Retirement 2035 Institutional Shares |
| Vanguard Target Retirement 2040 Institutional Shares |
| Vanguard Target Retirement 2045 Institutional Shares |
| Vanguard Target Retirement 2050 Institutional Shares |
| Vanguard Target Retirement 2055 Institutional Shares |
| Vanguard Target Retirement 2060 Institutional Shares |
| Vanguard Target Retirement 2065 Institutional Shares |
| Vanguard Target Retirement 2070 Institutional Shares |
| Vanguard Target Retirement Income Institutional Shares |
| Vanguard Small Cap Value Index |
| Vanguard REIT Index Fund Admiral Shares |
| Vanguard International Value |
| Vanguard International Growth Admiral Shares |
| Institutional Shares |
| Admiral Shares |
Investment model portfolios
We provide two types of investment model portfolios for JAMES RIVER GROUP, INC. 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 JAMES RIVER GROUP, INC. 401(K) PLAN