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Summertime is fund time

Introducing RPB’s newly expanded Tier 1 funds

Available July 15

Meet the new (and newly renamed) Tier 1 funds

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The three existing Tier 1 funds have new names.

We’ve added two new funds: the RPB Moderate Income Fund and the RPB Moderate Growth Fund.

Note too that the Tier 1 funds are now called Target Allocation Funds. (They were previously called Objective-Based Funds.)


An important refresher: How to use Tier 1 funds

Our Tier 1 funds are built for RPB participants who want a simple way to invest. They provide a complete, diversified portfolio in a single fund. That is, you will likely need only one of the new Tier 1 funds to achieve the asset allocation you want.

All you need is one 2x

For those currently invested in Tier 1

Because the fund names are changing, you’ll see a transaction on your statement selling the old fund and buying the new fund. This is a change in name only.

If you make no changes to your investments, you’ll stay invested in the Tier 1 fund(s) you previously selected. But with a new expanded lineup—and because it’s important to periodically check in on your investment strategy—you may want to review your new choices and make adjustments.


Selecting a fund from the new Tier 1 lineup

If you are investing in Tier 1, simply select the one fund that aligns most closely to your current investment objective, time horizon, and tolerance for risk, and you’re done! You’ll have a diversified portfolio for your RPB retirement plan.

To change your investment, log into the MyRPB portal. The new fund lineup will be available July 15.

RPB Focused 
Growth Fund RPB Moderate 
Growth Fund RPB Growth & 
Income Fund RPB Moderate 
Income Fund RPB Focused 
Income Fund

Description

This fund's high growth and volatility strategy is designed to produce principal growth over longer time periods. The fund invests in a broad assortment of assets that have historically generated greater returns than income-oriented investments but with more volatility over shorter time periods.

This fund's moderate- to high- growth and volatility strategy is designed to produce principal growth over longer time periods but is slightly less aggressive than the Focused Growth Fund. The fund invests in a broad assortment of assets that have historically generated greater returns than income-oriented investments but with more volatility over shorter time periods.

This fund seeks both income and growth. Its moderate growth and volatility strategy is designed to achieve increases in account value with a lower level of volatility than the two most aggressive Tier 1 funds.

This fund's low- to moderate- volatility strategy is designed to generate income, keep pace with inflation and generate some growth through a modest exposure to equities. Although principal value may fluctuate, historically, similar portfolios have had less frequent and severe losses than portfolios with more growth-oriented investments.

This fund's low-volatility strategy is designed to generate income and keep pace with inflation. Although principal value will fluctuate, historically, similar portfolios have had much less frequent and severe losses than portfolios with more growth-oriented investments.

Most appropriate for investors who

Care most about long-term growth and have an above average risk tolerance.

Have a moderately low risk tolerance.

Have a moderate risk tolerance.

Have a low risk tolerance.

Care most about current income, have a low risk tolerance but also desire a modest level of inflation protection.

Time horizon

Long

Medium to Long

Medium

Short to Medium

Short

Fund risk level

1

2

3

4

5

Target investment allocation

95% stocks

5% bonds

75% stocks

25% bonds

55% stocks
45% bonds

35% stocks
6
5% bonds

15% stocks
8
5% bonds

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Take note: A critical element of investment selection is time horizon—the period you expect to hold an investment to achieve a specific goal. (For example, the amount of time before you retire.) Investors who have a longer time horizon will have more time to recover from market downturns.

Fund fact sheets for the newly expanded Tier 1 funds will be available July 15.

Building a customized portfolio with multiple Tier 1 funds

If your circumstances call for a customized portfolio, you can select from the funds in any of our three tiers. Our Tier 2 and Tier 3 funds have not changed. And this chart shows you how to properly use multiple Tier 1 funds if you’re trying to achieve an asset mix that’s different from the pre-built mixes.

Interested in socially responsible investing?

Consider our Tier 3 Reform Jewish Values Stock Fund with investments that align with the values of the Reform Jewish Movement.


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