TMR, INC. 401(K) PLAN
Invest in TMR, INC. 401(K) PLAN
When it comes to invest in TMR, INC. 401(K) PLAN
- Understand Your Goals and Risk Tolerance: Consider your retirement goals, time horizon, and risk tolerance when choosing investments. Are you saving for retirement, or do you have other financial goals in mind? How comfortable are you with market fluctuations?
- Diversification: Diversification is key to managing risk in your investment portfolio. Spread your investments across different asset classes (e.g., stocks, bonds, cash equivalents) and sectors to reduce the impact of market volatility.
- Asset Allocation: Determine the appropriate mix of assets for your investment portfolio based on your goals and risk tolerance. This may involve allocating a percentage of your portfolio to stocks, bonds, and cash equivalents.
- Review Investment Options: Evaluate the investment options available within TMR, INC. 401(K) PLAN (see below for more detailed investment options). Look for funds with low fees, consistent performance, and a track record of meeting their investment objectives.
- Consider Target-Date Funds: Target-date funds are a popular option for retirement savings because they automatically adjust the asset allocation over time based on your expected retirement date. These funds can be a convenient option for investors who prefer a hands-off approach to investing.
- Monitor and Rebalance: Periodically review your investment portfolio and make adjustments as needed. Rebalance your portfolio to maintain your desired asset allocation and ensure it remains aligned with your goals and risk tolerance.
- Seek Professional Advice: If you’re unsure about which investments to choose or how to allocate your assets, consider seeking advice from a financial advisor. They can help you develop an investment strategy tailored to your individual needs and circumstances.
By following these steps, you can set up a 401(k) plan and choose investments that align with your long-term financial goals and objectives. Remember that investing involves risk, and it’s important to carefully consider your options and seek professional advice if needed.
Investment Options
TMR, INC. 401(K) PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
| Investment Options of TMR, INC. 401(K) PLAN (as of 2022) |
|---|
| LAZARD GLOBAL DYN MULTI-ASSET (LAZARD RETIREMENT GLOBAL DYAMIC MULTI-ASSET PORTFOLIO) |
| ON ISHARES MAN RISK BAL (BR) (ON ISHARES RISK MANAGED BALANCED PORTFOLIO) |
| ON RISK MANAGED BALANCED (AB) (ON RISK MANAGED BALANCED PORTFOLIO) |
| ON US LOW VOLATILITY (INTECH) (ON US LOW VOLATILITY) |
| MORNINGSTAR AGRESSIVE GRW ETF (MORNINGSTAR AGRESSIVE GROWTH ETF ASSET ALLOCATION PORTFOLIO) |
| MORNINGSTAR BALANCED ETF (MORNINGSTAR BALANCED ETF ASSET ALLOCATION PORTFOLIO) |
| MORNINSTAR GROWTH ETF (MORNINSTAR GROWTH ETF ASSET ALLOCATION PORTFOLIO) |
| MORNINGSTAR INCOME&GROWTH ETF (MORNINGSTAR INCOME&GROWTH ETF ASSET ALLOCATION PORTFOLIO) |
| DEL IVY VIP ASSET STRATEGY (IVY VIP ASSET STRATEGY PORTFOLIO) |
| FRANKLIN INCOME VIP FUND (FRANKLIN INCOME VIP FUND) |
| JANUSHENDERSON BALANCED VIT (JANUS HENDERSON VIT BALANCED PORTFOLIO) |
| MFS TOTAL RETURN SERIES (MFS(R) TOTAL RETURN SERIES) |
| AMER CEN ONE CHOICE(R)IN RET (ONE CHOICE(R)IN RETIREMENT) |
| AMER CEN ONE CHOICE(R) 2025 (ONE CHOICE(R) 2025 PORTFOLIO) |
| AMER CEN ONE CHOICE(R) 2030 (ONE CHOICESM 2030 PORTFOLIO) |
| AMER CEN ONE CHOICE(R) 2035 (ONE CHOICE(R) 2035 PORTFOLIO) |
| AMER CEN ONE CHOICE(R) 2040 (ONE CHOICESM 2040 PORTFOLIO) |
| AMER CEN ONE CHOICE (R) 2045 (ONE CHOICE (R) 2045 PORTFOLIO) |
| AMER CEN ONE CHOICE(R) 2050 (ONE CHOICESM 2050 PORTFOLIO) |
| AMER CEN ONE CHOICE(R) 2055 (ONE CHOICE(R) 2055 PORTFOLIO) |
| AMER CEN ONE CHOICE(R) 2060 (ONE CHOICESM 2060 PORTFOLIO) |
| FIDELITY VIP GOVT MONEY MARKET (FIDELITY(R) VIP GOVERNMENT MONEY MARKET PORTFOLIO) |
| PIMCO SHORT-TERM PORTFOLIO (PIMCO SHORT-TERM PORTFOLIO) |
| ON FEDERATED CORE PLUS BOND (ON FEDERATED CORE PLUS BOND PORTFOLIO) |
| PIMCO TOTAL RETURN PORTFOLIO (PIMCO TOTAL RETURN PORTFOLIO) |
| PIMCO REAL RETURN PORTFOLIO (PIMCO REAL RETURN PORTFOLIO) |
| PIMCO GLOBAL BOND OPP UNHEDGED (PIMCO GLOBAL BOND OPPORTUNITIES PORTFOLIO (UNHEDGED)VVVV) |
| ON FEDERATED HIGH INCOME BOND (ON FEDERATED HIGH INCOME BOND PORTFOLIO) |
| FIDELITY VIP EQUITY-INCOME (FIDELITY(R) VIP EQUITY-INCOME PORTFOLIO) |
| GLDMNSACH LARGE CAP VALUE (GOLDMAN SACHS LARGE CAP VALUE FUND) |
| LEGG MASON CLRBRG LARGE CP VAL (CLEARBRIDGE VARIABLE LARGE CAP VALUE PORTFOLIO) |
| ON BLACKROCK LARGE CAP VALUE (ON BLACKROCK ADVANTAGE LARGE CAP VALUE PORTFOLIO) |
| BNY MELLON APPRECIATION (BNY MELLON APPRECIATION PORTFOLIO) |
| GOLDMAN SACHS US EQTY INSIGHT (GOLDMAN SACHS U.S. EQUITY INSIGHTS FUND) |
| LEGG MASON CLRBRG DIVIDENDSTRA (CLEARBRIDGE VARIABLE DIVIDEND STRATEGY PORTFOLIO) |
| ON BLACKROCK LARGE CAP CORE (ON BLACKROCK ADVANTAGE LARGE CAP CORE PORTFOLIO) |
| ON S&P 500(R) INDEX (GEODE) (ON S&P 500(R) INDEX PORTFOLIO) |
| FIDELITY VIP CONTRAFUND (FIDELITY(R) VIP CONTRAFUND(R) PORTFOLIO) |
| FIDELITY VIP GROWTH PORTFOLIO (FIDELITY(R) VIP GROWTH PORTFOLIO) |
| FRANKLIN DYNA TECH VIP FUND (FRANKLIN DYNATECH VIP FUND) |
| GLDMNSACH STRATEGIC GROWTH (GOLDMAN SACHS STRATEGIC GROWTH FUND) |
| MFS MA INVESTORS GROWTH STOCK (MFS(R) MASSACHUSETTS INVESTORS GROWTH STOCK PORTFOLIO) |
| MS VIF GROWTH (MORGAN STANLEY VIF GROWTH PORTFOLIO) |
| ON BLACKROCK LARGE CAP GROWTH (ON BLACKROCK LARGE CAP GROWTH (SUFFOLK)) |
| ON JANUSHENDERSON FORTY (ON JANUS HENDERSON FORTY PORTFOLIO) |
| ON NASDAQ-100(R) INDEX (GEODE) (ON NASDAQ-100(R) INDEX PORTFOLIO) |
| PSF JENNISON FOCUSED BLEND (PSF PGIM JENNISON FOCUSED BLEND PORTFOLIO) |
| JPMORGAN MID CAP VALUE (JPMORGAN INSURANCE TRUST MID CAP VALUE PORTFOLIO) |
| NEUBERGER BERMAN MID CAP VAL (NEUBERGER BERMAN MID CAP VAL) |
| FEDERATED HERMES MID-CAP INDEX (FEDERATED HERMES MID-CAP INDEX FUND) |
| FIDELITY VIP MID CAP PORTFOLIO (FIDELITY(R) VIP MID CAP PORTFOLIO) |
| MFS MID CAP GROWTH SERIES (MFS(R) MID CAP GROWTH SERIES) |
| ON AB MID CAP CORE (ON AB MID CAP CORE PORTFOLIO) |
| ROYCE SMALL-CAP OPPORTUNITY (ROYCE OPPORTUNITY FUND) |
| GLDMNSACH SMALL CAP VALUE (GOLDMAN SACHS SMALL CAP VALUE FUND) |
| JPMORGAN SMALL CAP CORE (JPMORGAN INSURANCE TRUST SMALL CAP CORE PORTFOLIO) |
| LAZARD U.S. SAMLL-MID CAP (LAZARD RETIREMENT U.S. SMALL-MID CAP EQUITY PORTFOLIO) |
| MFS NEW DISCOVERY SERIES (MFS(R) NEW DISCOVERY SERIES) |
| ON AB SMALL CAP (ON AB SMALL CAP PORTFOLIO) |
| ON BLACKROCK SMALL CAP GROWTH (ON BLACKROCK ADVANTAGE SMALL CAP GROWTH PORTFOLIO) |
| TEMPLETON FOREING VIP FUND (TEMPLETON FOREIGN VIP FUND) |
| JANUSHENDERSON OVERSEAS VIT (JANUS HENDERSON VIT OVERSEAS PORTFOLIO) |
| LAZ RET INTERNATIONAL EQUITY (LAZARD RETIREMENT INTERNATIONAL EQUITY PORTFOLIO) |
| ON BLACKROCK INTERNATIONAL EQ (ON BLACKROCK ADVANTAGE INTERNATIONAL EQUITY PORTFOLIO) |
| INVESCO V.I. EQV INTL EQUITY (INVESCO V.I. INTERNATIONAL GROWTH FUND SERIES II) |
| LAZARD RET EMERGING MKT EQUITY (LAZARD RETIREMENT EMERGING MARKETS EQUITY PORTFOLIO) |
| DEL IVY VIP NATURAL RESOURCES (DELAWARE IVY NATURAL RESOURCES) |
| DEL IVY VIP SCIENCE AND TECH (DELAWARE IVY VIP SCIENCE AND TECHNOLOGY) |
| FIDELITY VIP REAL ESTATE (FIDELITY(R) VIP REAL ESTATE PORTFOLIO) |
| MS VIF U.S. REAL ESTATE (MORGAN STANLEY VIF U.S. REAL ESTATE PORTFOLIO) |
How to invest
Key principles in retirement investing:
- Proper asset allocation among stocks and bonds, the two major assets. Proper assess your risk tolerance level based on your age, financial situation, personal emotional level to tolerate up and down, and retirement expectation.
- Invest in (ultra) low cost index funds if possible. Don’t get caught up with flashy funds.
- Invest for a long term: financial markets are up and down and investment values are subject to fluctuation. However, viewed as business investments, you can be assured that diversified funds (stocks and bonds) have solid business fundamental that eventually will deliver inflation beating returns for stocks.
See Four-Step Guide for 401(k) Retirement Investing.
Basic asset allocation templates
The following asset allocation templates are based on popular lazy portfolios. Once you have decided your proper risk asset (stocks) allocation, you can utilize these lazy portfolio templates to scale the allocations to your risk allocation level. See Asset Allocation Portfolio Templates for guide:
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr Ar | 15Yr Ar | 20Yr Ar |
|---|---|---|---|---|---|---|---|
| Core Four Asset Portfolio | 5.16% | 11.63% | 1.45% | 6.44% | 6.10% | 8.16% | 6.86% |
| Five Core Asset Portfolio | 5.26% | 11.65% | 1.24% | 6.32% | 6.06% | 8.09% | 6.99% |
| Three Core Asset Portfolio | 6.34% | 12.86% | 2.08% | 7.07% | 6.48% | 8.30% | 6.95% |
| Two Core Asset Portfolio | 7.23% | 14.44% | 3.32% | 8.24% | 7.77% | 9.64% | 7.59% |
| Yale Endowment Template | 1.50% | 15.03% | 2.98% | 7.38% | 7.23% | 10.55% | 7.73% |
| S&P 500 Index | 16.23% | 25.49% | 10.22% | 15.18% | 12.84% | 14.98% | 10.33% |
