Investment options of BEVERIDGE & DIAMOND, P.C. 401(K) PROFIT SHARING PLAN & TRUST 'A'
Total Available Funds: 28
| Investment Description |
|---|
| STATE STREET BANK AND TRUST COMPANY RELIANCE/METLIFE STABLE 25053 CLASS 25 N/R |
| AMERICAN FUNDS AMERICAN FUNDS CAPITAL INCOME BUILDER A |
| AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC GROWTH A |
| AMERICAN FUNDS AMERICAN FUNDS FUNDAMENTAL INVESTOR A |
| AMERICAN FUNDS AMERICAN FUNDS GROWTH FUND OF AMERICA A |
| AMERICAN FUNDS AMERICAN FUNDS INVESTMENT COMPANY OF AMERICA A |
| AMERICAN FUNDS AMERICAN FUNDS NEW PERSPECTIVE A |
| AMERICAN FUNDS AMERICAN FUNDS WASHINGTON MUTUAL A |
| BLACKROCK BLACKROCK HIGH YIELD BOND INV A |
| COLUMBIA COLUMBIA DIVIDEND INCOME I3 |
| COLUMBIA COLUMBIA MID CAP INDEX A |
| COLUMBIA COLUMBIA SMALL CAP INDEX A |
| GUGGENHEIM GUGGENHEIM TOTAL RETURN BOND R6 |
| JP MORGAN JP MORGAN LIMITED DURATION BOND A |
| OPPENHEIMER INVESCO DEVELOPING MARKETS A |
| TOUCHSTONE TOUCHSTONE GLOBAL ESG EQUITY Y |
| VANGUARD VANGUARD FTSE SOCIAL INDEX ADMIRAL |
| VANGUARD VANGUARD TARGET RETIREMENT 2020 |
| VANGUARD VANGUARD TARGET RETIREMENT 2025 |
| VANGUARD VANGUARD TARGET RETIREMENT 2030 |
| VANGUARD VANGUARD TARGET RETIREMENT 2035 |
| VANGUARD VANGUARD TARGET RETIREMENT 2040 |
| VANGUARD VANGUARD TARGET RETIREMENT 2045 |
| VANGUARD VANGUARD TARGET RETIREMENT 2050 |
| VANGUARD VANGUARD TARGET RETIREMENT 2055 |
| VANGUARD VANGUARD TARGET RETIREMENT 2060 |
| VANGUARD VANGUARD TARGET RETIREMENT 2065 |
| VANGUARD VANGUARD TARGET RETIREMENT INCOME |
Investment model portfolios
We provide two types of investment model portfolios for BEVERIDGE & DIAMOND, P.C. 401(K) PROFIT SHARING PLAN & TRUST 'A' 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 BEVERIDGE & DIAMOND, P.C. 401(K) PROFIT SHARING PLAN & TRUST 'A'