Investment options of REGO RESTAURANTS 401(K) PLAN
Total Available Funds: 13
| Investment Description |
|---|
| qualified under Section 401(a) of the IRC and the related Trust is tax exempt as of December |
| (Held at End of Year) EIN: 82-3336580 PN: |
| AllSpring AllSpring Special Mid Cap Val Fd R6 |
| American Funds American Fds American Bal Fd R6 |
| Harbor Capital Harbor Cap Appreciation Fund Rtrmt |
| Hood River Hood River Sm Cap Gwth Retirement |
| JPMorgan Mid Cap Growth Fund R6 |
| PIMCO Incm Fd Inst Cl |
| Charles Schwab Schwab S&P 500 Index Fund – Select S |
| Vanguard Mid Cap Index Fund Admiral |
| Vanguard Small Cap Idx Admiral SH |
| Vanguard Value Index Admiral |
| Vanguard Wellesley Inc Admiral |
Investment model portfolios
We provide two types of investment model portfolios for REGO RESTAURANTS 401(K) 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 REGO RESTAURANTS 401(K) PLAN