Investment options of BCBS OF VERMONT 401K RETIREMENT PROGRAM
Total Available Funds: 25
| Investment Description |
|---|
| FMM GOVT INST |
| CASH |
| FID US BOND IDX IPR |
| FID EXT MKT IDX IPR |
| MFS GLOBAL EQUITY R4 |
| BTC TOTAL RET BOND |
| DH LARGE CAP |
| FID GR CO POOL CL 3 |
| GALLIARD STBLE RTN X |
| HRDG LVNR INTL BN |
| PIF DVRSD RA CIT T1 |
| SP 500 INDEX PL CL E |
| SS TRGT RET INC IV |
| SS TRGT RET 2020 IV |
| SS TRGT RET 2025 IV |
| SS TRGT RET 2030 IV |
| SS TRGT RET 2035 IV |
| SS TRGT RET 2040 IV |
| SS TRGT RET 2045 IV |
| SS TRGT RET 2050 IV |
| SS TRGT RET 2055 IV |
| SS TRGT RET 2060 IV |
| SS TRGT RET 2065 IV |
| VANG IS TOT INTL STK |
| WT SMID CAP RES EQ |
Investment model portfolios
We provide two types of investment model portfolios for BCBS OF VERMONT 401K RETIREMENT PROGRAM 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 BCBS OF VERMONT 401K RETIREMENT PROGRAM