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Investor Resources Inc, Investment Advisory Service, Port Orchard, WA

 

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Safeway 401k

All investment options are diversified mutual funds except Safeway stock.
Investment options are ranked by relative strength over the past ten weeks.
 
Updates are now available on a daily basis. To get a current matrix, click here.
 
 
Rank Ticker Safeway 2014 September 30
1 SWY Safeway Inc.
2 DODGX Dodge & Cox Stock Fund
3 HSPGX Emerald Growth Fund Class A
4 RSPYX RS Partners Y
5 SVSPX SSgA S&P 500 Index Fund Institutional Class
6 CHCGX Chesapeake Core Growth Fund
7 RERFX American Funds EuroPacific Gr R5
8 PTRAX PIMCO Total Return Admin
9 MNYMKT DWA Money Market Proxy - 13 Week T-Bill
 
  • "Here are some of the US survey results (emphasis by Business Insider):

    • The majority (64%) of U.S. institutional investors say that traditional diversification and portfolio construction techniques need to be replaced.
    •  
    • Seven in ten (72%) say that conventional 60/40 portfolios no longer are the best way to pursue returns."

 

Traditional asset allocation theory recommends investing in multiple asset classes of unrelated investment types, such as equitiesbonds and cash. Typical asset allocation models are presented here for your reference. Caution: These models are based on the same process that the Business Insider article refers to as inadequate. The Relative Strength ranking above is a different process for managing diversification. That is why we use it as a guide for selecting which funds to favor and which asset classes to emphasize.

 

The choices listed are the investments selected by your company's plan trustees. This screening process excludes the BGI blended funds due to insufficient information.Fundamentally, we do not recommend investing in assets ranked below money market. Preserve your cash until the assets once again establish a positive bias in their returns and prices  

Use your own perception of your risk tolerance, other assets and income sources and your proximity to retirement to select an allocation that is appropriate for your circumstances. Typical asset allocation models are presented here for your reference.

 

 
                                                    Aggressive             Balanced                Conservative
 
CAUTION: USE "PIE CHART ALLOCATION" AT YOUR OWN RISK. THE PROCESS IS NOT DESIGNED TO PROTECT YOU FROM DOWNSIDE MARKET RISK. IT IS THE WAY 401K PORTFOLIOS ARE TRADITIONALLY CONSTRUCTED. KEEP READING FOR A BETTER UNDERSTANDING.
 
Our asset allocation process can be viewed from here.
Our current asset allocation model can be viewed from here.
 
“We’ve been on a roller coaster ride in the financial system and the economy over the last 25 years. It’s going to continue. Now, it’s going to be a roller coaster on steroids. Things can go wrong like it did…May 6th…in the US stock market. ...People need tools to navigate through this. Buy-and-Hold is gone as a basic investment philosophy. You have to watch the financial flows and take some money off the table when liquidity starts to go the other way.” - J.A. Boeckh
  
Significant insights were revealed in January 2010 by one of the leading proponents of index investing and an icon of the academic community – Ibbotson Associates’ president, Peng Chen. In an interview with Morningstar discussing Modern Portfolio Theory and its dismal 2008 performance in protecting accounts, Mr. Chen said:
  
             “…we also realized that one of the traditional measures in modern portfolio theory, in particular on the risk side, standard deviation, does not work very well…”
  
 CLICK HERE  to see how market rotation would have reduced the impact on your account from the 2008 financial crisis.
 
To change your beneficiary, borrow from your account, withdraw or transfer your 401k, apply for a QDRO, contact your  Plan Administrator: 5918 Stoneridge Mall Rd, Pleasanton, CA 94588-3229: 925-226-5116
 
DISCLAIMER:
This information is provided by Investor Resources, 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 necessarily 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. Investor Resources, Inc. is not a representative of of Safeway, Inc. or its retirement plans.
 
Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.