Investment options of BEVERAGE DISTRIBUTION SAVINGS PLAN
Total Available Funds: 25
| Investment Description |
|---|
| American Beacon Funds American Beacon Small Cap Value N/R |
| American Funds EuroPacific Growth N/R |
| Cohen & Steers Cohen & Steers Realty Shares, Inc. N/R |
| JP Morgan JP Morgan Midcap Growth Class R-6 N/R |
| Vanguard Extended Market Index Fund N/R |
| Vanguard International Value Fund N/R |
| Vanguard PRIMECAP Core Fund N/R |
| Vanguard STAR Fund N/R |
| Vanguard Selected Value Fund N/R |
| Vanguard Windsor II Fund Admiral N/R |
| Vanguard Target Retirement 2020 Fund N/R |
| Vanguard Target Retirement 2025 Fund N/R |
| Vanguard Target Retirement 2030 Fund N/R |
| Vanguard Target Retirement 2035 Fund N/R |
| Vanguard Target Retirement 2040 Fund N/R |
| Vanguard Target Retirement 2045 Fund N/R |
| Vanguard Target Retirement 2050 Fund N/R |
| Vanguard Target Retirement 2055 Fund N/R |
| Vanguard Target Retirement 2060 Fund N/R |
| Vanguard Target Retirement 2065 Fund N/R |
| Vanguard Institutional Index Fund N/R |
| Vanguard Target Retirement Income N/R |
| T. Rowe Price Diversified Small Cap N/R |
| T. Rowe Price Spectrum Income Fund N/R |
| Vanguard Fiduciary Trust Company Vanguard Retirement Savings Trust III N/R |
Investment model portfolios
We provide two types of investment model portfolios for BEVERAGE DISTRIBUTION 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 BEVERAGE DISTRIBUTION SAVINGS PLAN