Building Service 32 Bj Supplemental Retirement Savings Plan Investment Model Portfolios

Investment options of Building Service 32 Bj Supplemental Retirement Savings Plan

Total Available Funds: 17

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	VINIX	Vanguard Institutional Index Instl
MID-CAP BLEND	VMISX	Vanguard Mid Cap Index Signal
SMALL BLEND	NAESX	Vanguard Small Cap Index Inv
Mid-Cap Growth	ARTMX	Artisan Mid Cap Inv
Mid-Cap Growth	ACRNX	Columbia Acorn Z
LARGE GROWTH	RGAGX	American Funds Growth Fund of Amer R6
SMALL VALUE	PSVIX	Allianz NFJ Small Cap Value Instl
LARGE VALUE	VIVIX	Vanguard Value Index Instl

FIXED INCOME
Intermediate-Term Bond	PTTRX	PIMCO Total Return Instl
Intermediate Government	FTRGX	Federated Total Return Govt Bd Instl
Intermediate-Term Bond	VBMFX	Vanguard Total Bond Market Index Inv

INTERNATIONAL EQUITY
Foreign Large Blend	VGTSX	Vanguard Total Intl Stock Index Inv
Foreign Large Blend	HIINX	Harbor International Inv

Others
Aggressive Allocation	PAGYX	Putnam Dynamic Asset Allocation: Gr Y
Moderate Allocation	PABYX	Putnam Dynamic Asset Allocation Bal Y
Conservative Allocation	VWIAX	Vanguard Wellesley Income Adm
ROOT	PDDXX	Putnam Money Market Fund; Class A Shares

Investment model portfolios

We provide two types of investment model portfolios for Building Service 32 Bj Supplemental Retirement Savings Plan participants. You can customize and follow a model portfolio in your plan account.

Types of portfolio strategies

Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
  - Less error-prone
  - Infrequent rebalancing or transactions
  - Tax efficient for taxable brokerage investments
- Cons:
  - Interim loss or drawdown can be substantial
  - Possible low returns for an extended period, such as 10 years or longer
Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
  - Reduce large interim loss or drawdown
  - Less sensitive to investment entry point
  - Likely to improve returns
- Cons
  - Demand more frequent rebalancing or transactions
  - Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
  - Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets

These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.

Let us know (Email us) if you need help to create a custom model portfolio for your plan.

Customize a model portfolio now

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