With over two dozen investment options available, the Rolls-Royce Corporation Personal Savings Plan for Hourly-Rate Employees and the Rolls-Royce North America 401(k) Savings Plan are among the best in the country. With this large number of funds, there is ample opportunity to build a well-diversified portfolio for your Rolls-Royce 401(k) savings.
For your reference, we have provided a
fund table displaying
style, risk, and past performance for many of the funds in these two plans. In addition,
please visit our “Fund Commentary” section below for further information on specific
funds and/or fund types within the Rolls-Royce
To the right you will find articles of interest as well as news and updates regarding Rolls-Royce employee and retiree benefits. Check this page for future updates to the Rolls-Royce 401(k) savings plans, as well as news that affects Rolls-Royce employees and retirees.
News and Updates
Rolls-Royce Fund Change Announcement - February 2014
The pending change surrounds the replacement of one existing investment option with a new investment option being added to the plan. This change will take effect on February 28, 2014.
To discuss this change to the Rolls-Royce 401(k) plan and how it may impact your investment allocation in light of this change, do not hesitate to contact Mainstay toll-free at 1-866-444-6246.
Rolls-Royce Separation Package - January 2013
For those evaluating a buyout offer, there are important factors to consider:
Mainstay Capital Management is a fee-only, independent investment advisor that has counseled thousands of automotive employees on buyout offers. Mainstay currently provides portfolio management and retirement planning services to more than 2000 active and retired autoworkers. We can provide a comprehensive Retirement Income Analysis, help evaluate "what-if" scenarios, and assist in making well-informed decisions concerning the VERP or any buyout offer.
Call Mainstay Capital Management toll-free 1-866-444-6246 to discuss your personal situation with a Retirement Planning Specialist.
Rolls-Royce Fund Changes Announcement - May 2011
Pyramis Active Lifecycle Funds
Eleven of these funds are included in the new plan, with 5-year incremental targets from 2000 to 2050. The further away the target date, the more aggressive the asset allocation. Conversely, the closer the date, the greater the emphasis on preservation of capital in the asset allocation.
Lifecycle funds hold some appeal in that they are simple to explain and administer. While this approach is unique, we believe the asset allocation decisions provided by these funds are crude at best. Lifecycle funds attempt to make decisions about asset allocation based solely on a target date. An investor’s tolerance for risk and financial goals are other key factors that should largely play a role in determining investment strategy and asset allocation. Additionally, they leave no room for the fund manager to tactically adjust the strategy based on specific opportunities within the financial markets or in response to prevailing market conditions.
The returns realized in these commingled vehicles are diluted by a rigid adherence to mechanical allocation parameters. These parameters may prove to be shortsighted and inappropriate for everyone participating in the pool. The real world changes every day, yet proponents of lifecycle funds expect someone to stick to a single game plan for as much as 40 years, whether interest rates are rising or falling, or whether the economy is in expansion or recession. While lifecycle funds offer a simple one-stop-solution, we continue to advise participants to avoid lifecycle funds and retain the flexibility to proactively adjust their portfolios as needed.
Fund Table - December 31, 2013
The Rolls-Royce fund table provides critical data on investment options within the plan.
If you have any questions concerning our website or your Rolls-Royce 401(k) account, please feel free
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