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This page is dedicated to giving you the information you need to make the most of retirement plans offered by the Masters, Mates & Pilots.

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According to our records, your current plan options are listed below. Please let us know if your plan has changed, or if there are additions or deletions to these lists.


Individual Retirement Account Plan (IRAP)
 
Vanguard Federal Money Market Fund
Vanguard Total Bond Market Index Fund
Vanguard GNMA Fund
Vanguard High-Yield Corporate Fund
Vanguard Asset Allocation Fund
Vanguard LifeStrategy Income Fund
Vanguard LifeStrategy Conservative Growth
Vanguard LifeStrategy Moderate Growth
Vanguard LifeStrategy Growth Fund
Vanguard Target Retirement 2005 Fund
Vanguard Target Retirement 2015 Fund
Vanguard Target Retirement 2025 Fund
Vanguard Target Retirement 2035 Fund
Vanguard Target Retirement 2045 Fund
Vanguard Target Retirement Income Fund
Vanguard 500 Index Fund
Vanguard Total Stock Market Index Fund
Vanguard Windsor II Fund
Vanguard Extended Market Index Fund
Vanguard Growth Index Fund
Vanguard Morgan Growth Fund
Chase Growth Fund
Vanguard International Growth Fund



 
Fidelity 401(k) Plan


Fidelity Retirement Government Money Market
Fidelity Ginnie Mae
Fidelity International Bond
Fidelity Equity Income II
Fidelity Growth & Income
Fidelity Spartan U.S. Equity Index
Fidelity Magellan
Fidelity Asset Manager
Fidelity Blue Chip Growth
Fidelity Diversified International
Fidelity Value
Fidelity Dividend Growth
Fidelity Freedom Income
Fidelity Freedom 2000
Fidelity Freedom 2010
Fidelity Freedom 2020
Fidelity Freedom 2030
Fidelity Freedom 2040
FMA Small Company
Chase Growth Fund
Domini Social Equity




What we like about this retirement plan:  These plans cover large cap reasonably well, but...

What could improve your retirement plan:  These plans put participants at a disadvantage by excluding small cap value funds. We'd like to see added both domestic and international small cap value funds and an emerging markets fund. The Fidelity 401(K) plan needs a large cap value fund as well.


Our MM&P Retirement Plan Recommendations

Here are our asset allocation recommendations based on the level of risk you decide to take. To determine your tolerance for risk so that you can choose the portfolio that's right for you, be sure to read the articles linked on our homepage. It's important that you understand the basis for our recommendations, because you'll be more likely to implement them and stay the course. If you have questions, check our FAQs. 
  
Aggressive Portfolio
When you want to take out all the stops and "go for it," this is the portfolio for you. Equally at home in the U.S. and abroad, this combination is a favorite of young investors with plenty of time before retirement. It’s also suited for those on a fast track who want or need all the speed and distance they can get from their investments. Because 100 percent of the portfolio is in equities, the only buffer against the slings and arrows of the market is time. But if you’ve got the time, this is the way to go. Our expected annual return for this portfolio is 10 to 13 percent, with the likely one year loss of 25 to 40 percent.

Moderate Portfolio
This combination is a fine choice for many employees and especially for long-term investors. Its 60 percent weighting in equities gives it plenty of power for stock market growth, while the 40 percent in fixed-income provides stability and safety during declines in the market. This portfolio is most suitable for investors with five or more years until they will need their money. Our expected annual return for this portfolio is 7 to 10 percent, with the likely one year loss of 15 to 30 percent.

Conservative Portfolio
This combination stresses safety, with a mix of 40 percent equities and 60 percent fixed-income investments. It is most suitable for investors who consider themselves conservative, who are close to or past the age of retirement or who, for whatever reason, care more about holding onto their money than making it grow. Our expected annual return for this portfolio is 6 to 9 percent, with the likely one year loss of 5 to 15 percent.

 
IRAP Asset Allocation   Aggressive    Moderate  Conservative
Vanguard Total Stock Market Index         15%         9%           6%
Vanguard Windsor II         30%       18%         12%
Vanguard Extended Market Index Fund         30%       18%         12%
Vanguard International Growth Fund         25%       15%         10%
Vanguard Total Bond Market Index Fund          --       40%         60%



Fidelity 401(k) Asset Allocation   Aggressive    Moderate  Conservative
Fidelity Value         20%       12%           8%
Fidelity Spartan U.S. Equity Index         15%         9%           6%
Fidelity Dividend Growth         15%         9%           6%
Fidelity Growth & Income         20%       12%           8%
Fidelity Diversified International         30%       18%         12%
Fidelity Intermediate Bond           --       40%         60%
 


Disclaimer:
This information is provided by Merriman Berkman Next, Inc., a registered investment advisor, and is believed to be from reliable sources, but no guarantee is made as to accuracy or completeness. The investment securities and strategies discussed are not suitable for all investors. Recommendations are of a general nature, not based on knowledge of any individual's specific needs or circumstances, and there is no intent to provide individual investment advisory, supervisory or management services. Unless otherwise noted, all reported or projected results (1) assume reinvestment of interest and dividends; (2) are net of any applicable management fees and transaction costs; and (3) do not reflect any effect of taxes. Past returns, whether actual or hypothetical, are not indicative of future results, which will be different from those of the past. Merriman Berkman Next, Inc. is not an authorized representative of Masters, Mates & Pilots and its retirement plan.