Investment options of JEROME HOME 403(B) PLAN
Total Available Funds: 28
| Investment Description |
|---|
| American Funds Moderate G/I Portfolio R6 |
| JP Morgan US Research Enhanced Equity R6 |
| T. Rowe Price Retirement 2035 |
| Vanguard Mid-Cap Index Fund Admiral Shares |
| American Funds EuroPacific Growth R6 Fund |
| T. Rowe Price Retirement 2055 |
| T. Rowe Price Retirement 2040 |
| Dodge and Cox Income Fund Class I |
| T. Rowe Price Retirement 2045 |
| T. Rowe Price Retirement 2050 |
| Vanguard 500 Index Fund Admiral Class |
| T. Rowe Price Retirement 2025 |
| GQG Partners Emerging Markets Equity R6 |
| PIMCO Income INSTL |
| PIMCO Institutional Bond (USD -Hedged) INST |
| T. Rowe Price Retirement 2030 |
| American Beacon Large Cap Value R5 |
| Vanguard Growth Index ADM |
| T. Rowe Price Retirement 2020 |
| ishares MSCI EAFE International Index K |
| Vanguard Small Cap Index Fund Admiral Shares |
| Cohen & Steers Realty Shares Fund Class L |
| Allspring Special Mid-Cap Value R6 |
| Janus Henderson Enterprise Fund Class N |
| Allspring Small Company Growth R6 |
| American Beacon Small Cap Value R5 |
| T. Rowe Price Retirement 2015 |
| Company of America Guaranteed Interest Fund |
Investment model portfolios
We provide two types of investment model portfolios for JEROME HOME 403(B) 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 JEROME HOME 403(B) PLAN