Investment options of BEECH BROOK RETIREMENT SAVINGS PLAN
Total Available Funds: 30
| Investment Option List |
|---|
| Charles Schwab Treasury Inflation Protected Securities Index Fund 1 29,744 units (SWRSX) |
| Charles Schwab Fundamental International Small Company Index Fund 6 32 units (SFILX) |
| Charles Schwab International Index Fund 6 7,171 units |
| Charles Schwab S&P 500 Index Fund 2 5,826 units (ISLCX) |
| Charles Schwab Small Cap Index Fund 1 4,886 units (SWSMX) |
| Vanguard Emerging Markets Stock Index Admiral Shares 1 6,730 units (VEIEX) |
| Vanguard Growth Index Fund Admiral Shares 4 ,184 units (VQNPX) |
| Vanguard Mid-Cap Growth Index Fund Admiral Shares 1 ,889 units (VMGIX) |
| Vanguard Mid-Cap Index Fund Admiral Shares 1 ,646 units (VIMSX) |
| Vanguard Mid-Cap Value Index Fund Admiral Shares 2 ,226 units (VMVIX) |
| Vanguard Small-Cap Growth Index Fund Admiral Shares 5 1 units (VISGX) |
| Vanguard Short-Term Corporate Bond Index Fund Admiral Shares 5 5,928 units (VSCSX) |
| Vanguard Value Index Fund Admiral Shares 1 1,275 units (VTRIX) |
| Vanguard Intermediate-Term Treasury Index Fund Admiral Shares 1 9,551 units (VFITX) |
| various dates through August 2029 |
| SCH TREAS INFL PRO SECS IDX Registered Investment Company |
| SCHWAB FUNDMTL INT SMMID INDEX Registered Investment Company |
| SCHWAB INTERNATIONAL INDEX FD Registered Investment Company (SWINX) |
| SCHWAB S&P 500 INDEX FUND Registered Investment Company (ISLCX) |
| SCHWAB SMALL-CAP INDEX FUND Registered Investment Company (RHFHX) |
| VANGUARD EMRG MKTS INDEX ADM Registered Investment Company |
| VANGUARD GROWTH INDEX ADMIRAL Registered Investment Company (VQNPX) |
| VANGUARD MDCP GRTH INDEX ADM Registered Investment Company |
| VANGUARD MID CAP INDEX ADMIRAL Registered Investment Company (VIMSX) |
| VANGUARD MID CAP VALUE IDX ADM Registered Investment Company (VMVIX) |
| VANGUARD SMALL CAP GRTH INDEX Registered Investment Company (VISVX) |
| VANGUARD ST CORP BD IDX ADM Registered Investment Company |
| VANGUARD TTL BOND MKT IDX ADM Registered Investment Company |
| VANGUARD VALUE INDEX ADM Registered Investment Company (VTRIX) |
| VGD INTERM TERM TRSY IDX ADM Registered Investment Company |
Investment model portfolios
We provide two types of investment model portfolios for BEECH BROOK RETIREMENT SAVINGS 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 BEECH BROOK RETIREMENT SAVINGS PLAN