Investment options of BEACHFLEISCHMAN, PLLC 401(K) PLAN
Total Available Funds: 25
| Investment Description |
|---|
| Allspring Global Allspring Special Mid Cap Value |
| American Century Emerging Markets Class R6 |
| American Funds High Income Trust Class R6 |
| American Funds Europacific Growth Class R6 |
| BlackRock Equity Dividend K Shares |
| BlackRock ishares Russell Mid Cap Index Class K |
| BlackRock ishares S&P 500 Index Class K |
| BlackRock ishares US Aggregate Bond Index Class K |
| Macquarie Macquarie Mid Cap Growth |
| First Eagle First Eagle Global Class I |
| Hartford Hartford Growth Opportunities Class R6 |
| Hartford Hartford International Opportunities Class R6 |
| Legg Mason Western Asset Core Plus Bond Class IS |
| MFS MSF Government Securities Class R6 |
| Pimco Real Return Institutional Class |
| Royce Pennsylvania Mutual Institutional Class |
| Undiscovered Managers Behavioral Value Class R6 |
| T Rowe T Rowe Price International Value Equity Class I |
| Vanguard Small Cap Growth Index Admiral |
| Vanguard Growth Index Admiral |
| Vanguard Small Cap Index Admiral |
| Vanguard Value Index Admiral |
| Vanguard International Value Investor |
| Vanguard International Growth Admiral |
| dates through June 2031 $ ‐ |
Investment model portfolios
We provide two types of investment model portfolios for BEACHFLEISCHMAN, PLLC 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 BEACHFLEISCHMAN, PLLC 401(K) PLAN