Investment options of BAKERRIPLEY 403(B) PLAN
Total Available Funds: 42
| Investment Description |
|---|
| Charles Schwab Schwab Target 2015 |
| Charles Schwab Schwab Target 2020 |
| Charles Schwab Schwab Target 2025 |
| Charles Schwab Schwab Target 2030 |
| Charles Schwab Schwab Target 2035 |
| Charles Schwab Schwab Target 2040 |
| Charles Schwab Schwab Target 2045 |
| Charles Schwab Schwab Target 2050 |
| Charles Schwab Schwab Target 2055 |
| Charles Schwab Schwab Target 2060 |
| Charles Schwab Schwab Target 2065 |
| Fidelity 500 Index Fund Institutional Premium |
| Fidelity Blue Chip Growth Fund Class K6 |
| Fidelity Contrafund |
| Fidelity International |
| JPMorgan Large Cap Value Class R3 |
| JPMorgan Small Cap Growth Class R6 |
| MFS Mid Cap Value Fund Class R3 |
| Transamerica Guaranteed Investment Option |
| Vanguard Mid-Cap Index Fund Admiral Shares |
| Vanguard Mid-Cap Growth Index Fund Admiral Shares |
| Vanguard Small Cap Index Fund Admiral Shares |
| Vanguard Small Cap Value Index Fund Admiral Shares |
| Vanguard Value Index Admiral Shares |
| PIMCO Moderate Duration Institutional Class |
| 10.50%, with varying maturity dates) |
| FIDELITY CONTRAFUND 1/1/2024 12/31/2024 |
| JP MORGAN JPMORGAN LARGE CAP VALUE R3 2/1/2024 12/31/2024 |
| MFS MID CAP VALUE R3 2/1/2024 12/31/2024 |
| VIRTUS CEREDEX LARGE CAP VALUE EQUITY I 1/1/2024 2/1/2024 |
| Transamerica Life Ins Co Transamerica Guaranteed Inv Option |
| Fidelity 500 Index |
| Fidelity Blue Chip Gr K6 |
| Fidelity Intl Index |
| Schwab Schwab Target 2025 Index |
| Schwab Schwab Target 2030 Index |
| Schwab Schwab Target 2035 Index |
| Schwab Schwab Target 2040 Index |
| Schwab Schwab Target 2045 Index |
| Schwab Schwab Target 2050 Index |
| Schwab Schwab Target 2055 Index |
| Vanguard Small Cap Val Index Adm |
Investment model portfolios
We provide two types of investment model portfolios for BAKERRIPLEY 403(B) 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.
Retirement Plan (401(k)) Info for BAKERRIPLEY 403(B) PLAN