Investment options of BARD MATERIALS 401(K) PLAN
Total Available Funds: 32
| Investment Description |
|---|
| American Funds 2015 TRGT DATE RETIRE R5E |
| American Funds 2020 TRGT DATE RETIRE R5E |
| American Funds 2025 TRGT DATE RETIRE R5E |
| American Funds 2030 TRGT DATE RETIRE R5E |
| American Funds 2035 TRGT DATE RETIRE R5E |
| American Funds 2040 TRGT DATE RETIRE R5E |
| American Funds 2045 TRGT DATE RETIRE R5E |
| American Funds 2050 TRGT DATE RETIRE R5E |
| American Funds 2055 TRGT DATE RETIRE R5E |
| American Funds 2060 TRGT DATE RETIRE R5E |
| American Funds 2065 TRGT DATE RETIRE R5E |
| American Funds AMERICAN BALANCED R5E |
| American Funds AMERICAN HIGH-INC R5E |
| American Funds BOND FUND OF AMER R5E |
| American Funds CAPITAL WORLD GR&INC R5E |
| American Funds EUROPACIFIC GROWTH R5E |
| American Funds GROWTH FUND OF AMER R5E |
| American Funds INVMT CO OF AMER R5E |
| American Funds NEW ECONOMY R5E |
| American Funds NEW PERSPECTIVE R5E |
| American Funds SMALLCAP WORLD R5E |
| American Funds WASHINGTON MUTUAL R5E |
| Blackrock HIGH YIELD BOND INSTL |
| Hartford GLOBAL IMPACT R6 |
| Ishares MSCI EAFE INTERNATIONAL INDX INS |
| Ishares S&P 500 INDEX I |
| MFS Value Fund Class R4 |
| Vanguard LONG-TERM INVESTMENT GRADE ADM |
| Vanguard MID CAP INDEX ADM |
| Vanguard SMALL CAP INDEX FUND – ADMIRAL |
| Reliance Metlife SERIES 25053 CL |
| Minimum rate of 5.25%, maximum rate of 10.5% |
Investment model portfolios
We provide two types of investment model portfolios for BARD MATERIALS 401(K) 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 BARD MATERIALS 401(K) PLAN