Investment options of BEACON POINTE 401(K) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| Allspring Special Mid Cap Value R6 Fund |
| American Funds Europacific Growth R6 Fund |
| American Funds New World R6 Fund |
| American Funds American Mutual R6 Fund |
| Artisan International Value Institutional Fund |
| Invesco Oppenheimer Developing Markets R6 Fund |
| JP Morgan Small Cap Growth R6 Fund |
| MFS Growth R6 Fund |
| MFS International Diversification R6 Fund |
| MFS Massachusetts Investors Growth Stock R6 Fund |
| Port Street Growth Fund Institutional Class |
| Putnam Large Cap Value R6 Fund |
| Schwab Bank S&P 500 Select Fund |
| TIAA CREF Lifecycle Index 2010 Institutional Fund |
| TIAA CREF Lifecycle Index 2030 Institutional Fund |
| TIAA CREF Lifecycle Index 2035 Institutional Fund |
| TIAA CREF Lifecycle Index 2040 Institutional Fund |
| TIAA CREF Lifecycle Index 2045 Institutional Fund |
| TIAA CREF Lifecycle Index 2050 Institutional Fund |
| TIAA CREF Lifecycle Index 2055 Institutional Fund |
| TIAA CREF Lifecycle Index 2060 Institutional Fund |
| TIAA CREF Lifecycle Index 2065 Institutional Fund |
| T. Rowe Price Diversified Mid-Cap Growth Fund |
| Vanguard Balanced Index Admiral Fund |
| Vanguard Mid Cap |
| Vanguard Small Cap I Fund |
| Victory Sycamore Established Value R6 Fund |
| Victory Sycamore Small Company Opportunity R6 Fund |
| Standard Personal Choice Retirement Accounts |
| Standard Stable Asset D Fund |
Investment model portfolios
We provide two types of investment model portfolios for BEACON POINTE 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 BEACON POINTE 401(K) PLAN