Investment options of BCOM RETIREMENT PLAN
Total Available Funds: 29
| Investment Description |
|---|
| Dimensional Fund Advisors Dimensional Investment Grade Inst |
| Vanguard Equity Income – Admiral |
| MFS Growth R6 |
| Vanguard Target Retirement – 2030 |
| Vanguard Target Retirement – 2040 |
| Dimensional Fund Advisors Dimensional US Small Cap Value |
| Vanguard Target Retirement – 2035 |
| Vanguard Short Term Investment Grade I |
| JP Morgan JPMorgan Mid Cap Growth R6 |
| Vanguard Target Retirement – 2025 |
| Vanguard Target Retirement – 2045 |
| MFS Mid Cap Value Fd Cl R6 |
| Vanguard Explorer Admiral Shares Fund #5024 |
| American Funds AFS Europacific Growth R6 |
| Dimensional Fund Advisors Dimensional International Value |
| Vanguard Target Retirement – 2055 |
| Vanguard 500 Index Admiral FD |
| Vanguard Index Trust Mid-Cap Index Fund Admiral SHS |
| Dimensional Fund Advisors Dimensional International Core Equity |
| Vanguard Target Retirement Income |
| Dimensional Fund Advisors Dimensional Emerging Markets |
| AFS AFS Capital World Bond R6 |
| Vanguard Target Retirement – 2060 |
| Vanguard Target Retirement – 2050 |
| Vanguard BD Index FD Inc Interm-term Admiral |
| Dimensional Fund Advisors Dimensional International Small Cap Value |
| Vanguard Index Trust Small Cap Index Admiral Fund #548 |
| Vanguard Developed Markets Index ADM |
| Vanguard Target Retirement – 2020 |
Investment model portfolios
We provide two types of investment model portfolios for BCOM RETIREMENT 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 BCOM RETIREMENT PLAN