Investment options of BENTLEY SYSTEMS, INCORPORATED PROFIT SHARING/401(K) PLAN
Total Available Funds: 26
| Investment Description |
|---|
| AMERICAN CENTURY REAL ESTATE R6 FUND |
| AMERICAN FUNDS EUROPACIFIC GROWTH R6 FUND |
| AMERICAN FUNDS GROWTH FUND OF AMERICA R6 FUND |
| DREYFUS GOVERNMENT CASH MANAGEMENT INSTITUTIONAL FUND |
| EMPOWER T. ROWE PRICE MID CAP GROWTH FUND |
| JP MORGAN SMARTRETIREMENT BLEND 2020 R5 FUND |
| JP MORGAN SMARTRETIREMENT BLEND 2025 R5 FUND |
| JP MORGAN SMARTRETIREMENT BLEND 2030 R5 FUND |
| JP MORGAN SMARTRETIREMENT BLEND 2035 R5 FUND |
| JP MORGAN SMARTRETIREMENT BLEND 2040 R5 FUND |
| JP MORGAN SMARTRETIREMENT BLEND 2045 R5 FUND |
| JP MORGAN SMARTRETIREMENT BLEND 2050 R5 FUND |
| JP MORGAN SMARTRETIREMENT BLEND 2055 R5 FUND |
| JP MORGAN SMARTRETIREMENT BLEND INCOME R5 FUND |
| JP MORGAN US EQUITY I FUND |
| MFS NEW DISCOVERY VALUE R6 FUND |
| ROYCE PREMIER INSTITUTIONAL FUND |
| VANGUARD INSTITUTIONAL INDEX FUND |
| VANGUARD MID CAP INDEX I FUND |
| VANGUARD SMALL CAP INDEX I FUND |
| VANGUARD TOTAL BOND MARKET INDEX FUND INSTITUTIONAL SHARES |
| VANGUARD TOTAL INTERNATIONAL STOCK INDEX INSTITUTIONAL FUND |
| WESTERN ASSET CORE PLUS BOND I FUND |
| SCHWAB SELF-DIRECTED BROKERAGE SELF-DIRECTED BROKERAGE ACCOUNTS |
| COLUMBIA TRUST DIVIDEND INCOME INST 300 FUND |
| PUTNAM STABLE VALUE FUND |
Investment model portfolios
We provide two types of investment model portfolios for BENTLEY SYSTEMS, INCORPORATED PROFIT SHARING/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 BENTLEY SYSTEMS, INCORPORATED PROFIT SHARING/401(K) PLAN