Investment options of BEAR ROBOTICS 401(K) PLAN
Total Available Funds: 37
| Investment Description |
|---|
| American Funds New Perspective Pooled Separate Account – |
| DFA Emerging Markets Value Pooled Separate Account – |
| Fidelity NASDAQ Composite Idx Pooled Separate Account – |
| Financial Industries Fund Pooled Separate Account – |
| JH 2025 Lifetime Blend Pooled Separate Account – |
| JH 2030 Lifetime Blend Pooled Separate Account – |
| JH 2035 Lifetime Blend Pooled Separate Account – |
| JH 2040 Lifetime Blend Pooled Separate Account – |
| JH 2045 Lifetime Blend Pooled Separate Account – |
| JH 2050 Lifetime Blend Pooled Separate Account – |
| JH 2055 Lifetime Blend Pooled Separate Account – |
| JH 2060 Lifetime Blend Pooled Separate Account – |
| JH 2065 Lifetime Blend Pooled Separate Account – |
| JH Disciplined Value Intl Fund Pooled Separate Account – |
| JH Fundamental Gbl Franchise Pooled Separate Account – |
| Northern EM Equity Index Fund Pooled Separate Account – |
| State Street Target Ret 2030 Pooled Separate Account – |
| State Street Target Ret 2035 Pooled Separate Account – |
| State Street Target Ret 2040 Pooled Separate Account – |
| State Street Target Ret 2050 Pooled Separate Account – |
| State Street Target Ret 2055 Pooled Separate Account – |
| State Street Target Ret 2060 Pooled Separate Account – |
| T. Rowe Price Growth Stock Pooled Separate Account – |
| T. Rowe Price Retirement 2040 Pooled Separate Account – |
| T. Rowe Price Retirement 2050 Pooled Separate Account – |
| T. Rowe Price Retirement 2055 Pooled Separate Account – |
| T. Rowe Price Retirement 2065 Pooled Separate Account – |
| T. Rowe Price Sci & Tech Pooled Separate Account – |
| Vanguard Energy Fund Pooled Separate Account – |
| Vanguard Growth Index Fund Pooled Separate Account – |
| Vanguard Materials Index Fund Pooled Separate Account – |
| Vanguard Mid-Cap Growth ETF Pooled Separate Account – |
| Vanguard Mid-Cap Value ETF Pooled Separate Account – |
| Vanguard Small Cap Grow Index Pooled Separate Account – |
| Vanguard Small Cap Value Index Pooled Separate Account – |
| Vanguard Value Index Fund Pooled Separate Account – |
| Notes receivable from participants 8.5% – 9.5% – |
Investment model portfolios
We provide two types of investment model portfolios for BEAR ROBOTICS 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 BEAR ROBOTICS 401(K) PLAN