Investment options of BERKELEY PREPARATORY DEFINED CONTRIBUTION RETIREMENT PLAN
Total Available Funds: 30
| Investment Description |
|---|
| CREF Stock Account |
| CREF Growth Account |
| CREF Equity Index Account |
| CREF Global Equities Account |
| CREF Core Bond Account |
| CREF Inflation-Linked Bond Account |
| CREF Social Choice Account |
| TIAA (RA and RC) |
| TIAA (SRA, GSRA, RCP) |
| American Funds New Perspective Fund R6 |
| BlackRock High Yield Bond Portfolio K |
| BlackRock Lifepath Index 2030 K |
| BlackRock Lifepath Index 2035 K |
| BlackRock Lifepath Index 2040 K |
| BlackRock Lifepath Index 2045 K |
| BlackRock Lifepath Index 2050 K |
| BlackRock Lifepath Index 2055 K |
| BlackRock Lifepath Index 2060 K |
| BlackRock Lifepath Index Retirement K |
| Carillon Eagle Mid Cap Growth Fund R6 |
| Delaware Small-Cap Value Fund R6 |
| Janus Henderson Triton Fund N |
| JPMorgan Equity Income Fund R6 |
| JPMorgan US Equity Fund R6 |
| Lord Abbett Short Duration Income Fund R6 |
| TIAA-CREF Nuveen International Equity Ind-Inst |
| Vanguard Emerging Mkts Stock Index Admiral |
| Vanguard Mid-Cap Index Fund Admiral |
| Vanguard Mid-Cap Value Index Fund Admiral |
| Vanguard Small-Cap Index Fund Admiral |
Investment model portfolios
We provide two types of investment model portfolios for BERKELEY PREPARATORY DEFINED CONTRIBUTION RETIREMENT 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 BERKELEY PREPARATORY DEFINED CONTRIBUTION RETIREMENT PLAN