Investment options of BERNARDI AUTO GROUP RETIREMENT PLAN
Total Available Funds: 67
| Investment Option List |
|---|
| AB Large Cap Growth Fund Advisor Class – (APGYX) |
| Vanguard 500 Index Fund – (VFINX) |
| Victory Established Value – (GETGX) |
| American Funds Europac Growth – (PGGAX) |
| Columbia Dividend Income Fund – (GSFTX) |
| MFS New Discovery Value R6 – (NDVBX) |
| Vanguard Small Cap Index – (VISVX) |
| DWS High Income Fund – (MHITX) |
| Vanguard Mid Cap Index – (VIMSX) |
| Massachusetts Investors TR R6 – (MITDX) |
| American Funds New Perspective – (FFPNX) |
| Invesco Equity and Income – (IUAIX) |
| iShares MSCI EAFE International Index Fund – (BTMPX) |
| iShares U.S. Aggregate Bond Index – (BMOPX) |
| American Funds 2055 Target Date Retirement R-4 – (FAJTX) |
| American Funds New World R-4 – (HVWBX) |
| Van Eck CM Commodity Index I – |
| American Funds 2065 Target Date Retirement R-4 – (FBMTX) |
| American Funds 2060 Target Date Retirement R-4 – (CCKTX) |
| Calvert US Large-Cap Core Responsible Index – (CISIX) |
| American Funds 2025 Target Date Retirement R-4 – (REDTX) |
| American Funds 2050 Target Date Retirement R-4 – (REITX) |
| American Funds 2035 Target Date Retirement R-4 – (REFTX) |
| Neuberger Berman Genesis Fund R-6 – (NBGEX) |
| American Funds 2020 Target Date Retirement R-4 – (RECTX) |
| American Funds 2015 Target Date Retirement R-4 – (REJTX) |
| American Funds 2030 Target Date Retirement R-4 – (REETX) |
| Janus Henderson Enterprise Fund – (JMGRX) |
| American Funds 2010 Target Date Retirement R-4 – (REATX) |
| American Funds 2045 Target Date Retirement R-4 – (REHTX) |
| American Funds 2040 Target Date Retirement R-4 – (REGTX) |
| Federated Capital Preservation Fund – |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| AB LARGE CAP GROWTH ADVISOR (APGYX) |
| AMERFDS 2055 TARG DATE RET-R4 (DRIKX) |
| VANGUARD 500 INDEX FUND – ADM (VFINX) |
| AMERICAN FUNDS EUROPAC GRO- R6 |
| AMERICAN FUNDS NEW WRLD – R4 (HVWBX) |
| DWS HIGH INCOME FUND-A (MHITX) |
| INVESCO EQUITY AND INCOME A (IUAIX) |
| VAN ECK CM COMMODITY INDEX I |
| DWS RREEF REAL EST SEC A (RRRBX) |
| AMERFDS 2065 TARG DATE RET R4 |
| AMERFDS 2060 TARG DATE RET-R4 (DRILX) |
| MASSACHUSETTS INVESTORS TR R6 (MITDX) |
| CALVERT US LC CORE RESP INDX I |
| AMERFDS 2025 TARG DATE RET-R4 (DRIUX) |
| AMERFDS 2050 TARG DATE RET-R4 (DRIJX) |
| AMERFDS 2035 TARG DATE RET-R4 (DRIGX) |
| ISHARES MSCI EAFE INTL INDEX K (BTMGX) |
| VICTORY ESTABLISHED VALUE A (GETGX) |
| VANGUARD SMALL CAP INDEX ADMRL (VISVX) |
| NEUBERGER BERMAN GENESIS – R6 (NBGEX) |
| AMERFDS 2020 TARG DATE RET-R4 (DRIRX) |
| AMER FUNDS NEW PERSPECTIVE -R4 (FFPNX) |
| AMERFDS 2015 TARG DATE RET-R4 (DRIQX) |
| AMERFDS 2030 TARG DATE RET-R4 |
| COLUMBIA DIV INC FD – A (CSVEX) |
| JANUS HENDERSON ENTERPRISE N (JMGRX) |
| AMERFDS 2040 TARG DATE RET-R4 (DRIHX) |
| VANGUARD MID CAP INDEX – ADM (VIMSX) |
| ISHARES US AGGREGATE BD IDX K |
| MFS NEW DISCOVERY VALUE R6 (NDVBX) |
| AMERFDS 2010 TARG DATE RET-R4 |
| AMERFDS 2045 TARG DATE RET-R4 (DRIIX) |
| FEDERATED CAP PRES FUND R6 |
Investment model portfolios
We provide two types of investment model portfolios for BERNARDI AUTO GROUP 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 BERNARDI AUTO GROUP RETIREMENT PLAN