Investment options of BAYSHIRE 401(K) PLAN
Total Available Funds: 18
| Investment Option List |
|---|
| Fund Pooled separate account |
| Invesco Premier US Govt Money Fund Pooled separate account |
| Fidelity NASDAQ Composite Index Fund Pooled separate account (FNCMX) |
| Franklin DynaTech Fund Pooled separate account (FKDNX) |
| American Funds New Perspective Fund Pooled separate account (FFPNX) |
| Vanguard Small Cap Value Index Fund Pooled separate account (VISVX) |
| John Hancock Thrivent Mid Cap Stock Fund Pooled separate account (JAETX) |
| MFS Mid Cap Value Fund Pooled separate account (MCVIX) |
| John Hancock Small Cap Index Fund Pooled separate account (JESIX) |
| Vanguard Small Cap Growth Index Fund Pooled separate account (VISGX) |
| MFS Mid Cap Growth Fund Pooled separate account (OTCIX) |
| JPMorgan Global Bond Opps Fund Pooled separate account (GBOAX) |
| American Funds Small Cap World Fund Pooled separate account (HVSBX) |
| John Hancock Core Bond Fund Pooled separate account (JMABX) |
| JPMorgan Equity Income Fund Pooled separate account (HLIEX) |
| American Funds American Balanced Fund Pooled separate account (GBLAX) |
| American Funds Capital World Bond Fund Pooled separate account (FWBCX) |
| Lord Abbett Bond Debenture Fund Pooled separate account (LBDFX) |
Investment model portfolios
We provide two types of investment model portfolios for BAYSHIRE 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 BAYSHIRE 401(K) PLAN