Investment options of JONES DAIRY FARM THRIFT PLAN
Total Available Funds: 30
| Investment Option List |
|---|
| Fidelity Managed Income Portfolio (FRHMX) |
| Allspring Special Mid Cap Value R6 (SMCDX) |
| American Funds American Mutual R6 (FFFMX) |
| American Century Government Bond Fund R5 (NOAMX) |
| Carillon Eagle Mid Cap Growth Fund Class R6 (HRAYX) |
| Fidelity 500 Index (FUSEX) |
| Fidelity Contrafund Fund K (FCNTX) |
| Fidelity Diversified International Fund K (FDIVX) |
| Fidelity Freedom 2010 Fund (FFFCX) |
| Fidelity Freedom 2015 Fund (FFVFX) |
| Fidelity Freedom 2020 Fund (FFFDX) |
| Fidelity Freedom 2025 Fund (FFTWX) |
| Fidelity Freedom 2030 Fund (FFFEX) |
| Fidelity Freedom 2035 Fund (FFTHX) |
| Fidelity Freedom 2040 Fund (FFFFX) |
| Fidelity Freedom 2045 Fund (FFFGX) |
| Fidelity Freedom 2050 Fund (FFFHX) |
| Fidelity Freedom 2055 Fund (FDEWX) |
| Fidelity Freedom 2060 Fund (FDKNX) |
| Fidelity Freedom 2065 Fund (FFSFX) |
| Fidelity Global Ex US |
| Fidelity Growth Company Fund K (FDGFX) |
| Fidelity Inflation Premium Bond Index (FIPDX) |
| Fidelity International Discovery Fund K (FIADX) |
| Fidelity Low Priced Stock Fund K (FLPSX) |
| Fidelity Mid Cap (FIIMX) |
| Fidelity Puritan Fund K (FPURX) |
| Fidelity Small Cap (FSISX) |
| Fidelity US Bond (FSHBX) |
| MassMutual Premier Small Cap Opportunities Fund Class I (MSOOX) |
Investment model portfolios
We provide two types of investment model portfolios for JONES DAIRY FARM THRIFT 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 JONES DAIRY FARM THRIFT PLAN