Investment options of OKLAHOMA IRON WORKERS DIRECT CONTRIBUTION PLAN AND TRUST
Total Available Funds: 12
| Investment Description |
|---|
| Dodge & Cox Income X $ 3 |
| American Funds 2010 Trgt Date Retire R6 1 ,555,061 |
| American Funds 2020 Trgt Date Retire R6 1 ,145,194 |
| American Funds 2030 Trgt Date Retire R6 3 ,817,589 |
| American Funds 2040 Trgt Date Retire R6 6 ,649,736 |
| American Funds 2050 Trgt Date Retire R6 6 ,931,662 |
| American Funds 2060 Trgt Date Retire R6 4 ,172,503 |
| State Street Equity 500 Index K 4 ,134,362 |
| Fidelity Mid Cap Index 3 ,397,647 |
| Vanguard Small Cap Index Adm 4 |
| Vanguard Wellington Admiral 5 |
| PIMCO StocksPLUS Intl (USD-Hedged) Inst 5 |
Investment model portfolios
We provide two types of investment model portfolios for OKLAHOMA IRON WORKERS DIRECT CONTRIBUTION PLAN AND TRUST 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 OKLAHOMA IRON WORKERS DIRECT CONTRIBUTION PLAN AND TRUST