Investment options of BENICIA ARSENAL 401K PLAN
Total Available Funds: 29
| Investment Description |
|---|
| T. Rowe Price Target 2045 I Fund |
| T. Rowe Price Target 2040 I Fund |
| T. Rowe Price Target 2025 I Fund |
| Fidelity Large Cap Growth Index |
| Franklin Templeton DynaTech Fund |
| T. Rowe Price Target 2020 I Fund |
| T. Rowe Price Target 2030 I Fund |
| T. Rowe Price Target 2050 I Fund |
| T. Rowe Price Target 2060 I Fund |
| T. Rowe Price Target 2055 I Fund |
| PGIM Jennison Mid-Cap Growth Fund |
| Fidelity |
| Pimco Real Return Bond Admin Fund |
| American Funds American Mutual R6 Fund |
| T. Rowe Price Target 2035 I Fund |
| Fidelity Advisor Small Cap Growth Z Fund |
| Fidelity Energy Fund |
| Victory Sycamore Established Value Fund |
| BlackRock High Yield Bond K Fund |
| JPMorgan Core Bond Plus Fund |
| Fidelity International |
| Pimco Real Return Instl Fund |
| Fidelity Small Cap |
| Fidelity Advisor International Cap App Z Fund |
| Pimco International Bond Fund US $ Hedged I Fund |
| Fidelity Mid Cap |
| Fidelity Focus Emerging Markets Fund |
| Columbia Small Cap Value Fund II I3 Fund |
| Rates from 5.25% – 10.50% – |
Investment model portfolios
We provide two types of investment model portfolios for BENICIA ARSENAL 401K 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 BENICIA ARSENAL 401K PLAN