Investment options of MRC 401(K) SAVINGS PLAN
Total Available Funds: 26
| Investment Description |
|---|
| FIDELITY MUTUAL FUND SPARTAN 500 INDEX FUND |
| FIDELITY MUTUAL FUND FIDELITY GOVERNMENT MONEY MARKET FUND |
| FIDELITY MUTUAL FUND FIDELITY FREEDOM 2025 FUND CLASS K |
| FIDELITY MUTUAL FUND FIDELITY GROWTH COMPANY FUND CLASS K |
| FIDELITY MUTUAL FUND FIDELITY FREEDOM 2030 FUND CLASS K |
| FIDELITY BOND FUND FIDELITY US BOND INDEX FUND |
| JANUS MUTUAL FUND JANUS HENDERSON ENTERPRISE N FUND |
| TRP MUTUAL FUND T. ROWE PRICE BLUE CHIP GROWTH FUND |
| FIDELITY MUTUAL FUND FIDELITY FREEDOM 2035 FUND CLASS K |
| FIDELITY MUTUAL FUND FIDELITY FREEDOM 2020 FUND CLASS K |
| FIDELITY MUTUAL FUND FIDELITY FREEDOM 2045 FUND CLASS K |
| FIDELITY MUTUAL FUND FIDELITY OTC PORTFOLIO CLASS K |
| FIDELITY MUTUAL FUND FIDELITY LOW PRICE STOCK FUND CLASS K |
| FIDELITY MUTUAL FUND FIDELITY FREEDOM 2050 FUND |
| FIDELITY MUTUAL FUND FIDELITY INTERNATIONAL INDEX |
| JPM MUTUAL FUND JPMORGAN EQUITY INCOME FUND |
| FIDELITY MUTUAL FUND FIDELITY SMALL CAP INDEX |
| FIDELITY MUTUAL FUND FIDELITY FREEDOM 2055 FUND CLASS K |
| FIDELITY BROKERAGELINK FIDELITY FUND |
| FIDELITY MUTUAL FUND FIDELITY STRATEGIC INCOME FUND |
| FIDELITY MUTUAL FUND FIDELITY FREEDOM 2060 FUND CLASS K |
| MFS FUND MFS MID CAP VALUE FUND |
| INVESCO OPPENHEIMER INVESCO OPPENHEIMER DEVELOPING MARKETS |
| UNDISCOVERED MANAGERS UNDISCOVERED MANAGERS BEHAVIORAL VALUE INST |
| BROWN CAPITAL MANAGEMENT BROWN CAPITAL MANAGEMENT SMALL COMPANY |
| AMERICAN CENTURY AMERICAN CENTURY INFLATION-ADJUSTED BOND |
Investment model portfolios
We provide two types of investment model portfolios for MRC 401(K) SAVINGS 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 MRC 401(K) SAVINGS PLAN