Investment options of LUTRON RETIREMENT PLAN
Total Available Funds: 38
| Investment Description |
|---|
| T. Rowe Price Equity |
| RREEF America REIT II |
| J.P. Morgan LG CAP GROWTH CF |
| T. Rowe Price Equity Income Trust D |
| T. Rowe Price Retirement 2005 Trust F |
| T. Rowe Price Retirement 2010 Trust F |
| T. Rowe Price Retirement 2015 Trust F |
| T. Rowe Price Retirement 2020 Trust F |
| T. Rowe Price Retirement 2025 Trust F |
| T. Rowe Price Retirement 2030 Trust F |
| T. Rowe Price Retirement 2035 Trust F |
| T. Rowe Price Retirement 2040 Trust F |
| T. Rowe Price Retirement 2045 Trust F |
| T. Rowe Price Retirement 2050 Trust F |
| T. Rowe Price Retirement 2055 Trust F |
| T. Rowe Price Retirement 2060 Trust F |
| T. Rowe Price Retirement 2065 Trust F |
| T. Rowe Price US Mid-Cap Growth EQ Trust D |
| Allspring Mid-Cap Value |
| Dodge and Cox Income Fund, Class X |
| T. Rowe Price Mid Cap Growth Fund |
| Vanguard International Value Fund |
| Dodge and Cox International Stock Fund |
| Oppenheimer Developing Markets Fund |
| DWS RREEF Real Asset Fund, Class R6 |
| Goldman Sachs GQG Partners International |
| Templeton Inst Foreign Sm Co Ser Adv Fund |
| Harbor Large Cap Value Fund |
| T. Rowe Price International Stock Fund |
| Invesco Developing Markets Fund |
| Vanguard Ext Markets Index Fund Investor |
| Vanguard Morgan Growth Fund |
| Principal Diversified Real Asset Fund |
| Vanguard Balanced Index Admiral |
| Vanguard Institutional |
| Vanguard TTL Int Stock Index Admiral |
| Neuberger Berman Genesis Instl Fund |
| Participants 3.25% to 8.50%; maturing through 2034 |
Investment model portfolios
We provide two types of investment model portfolios for LUTRON RETIREMENT 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 LUTRON RETIREMENT PLAN