Investment options of BFOB 401(K) PLAN
Total Available Funds: 46
| Investment Description |
|---|
| T. Rowe Price Ret 2040 I 4 74,104 # |
| T. Rowe Price Ret 2045 I 5 11,372 # |
| Fidelity 500 Index 4 3,945 # |
| T. Rowe Price Ret 2030 I 2 86,119 # |
| T. Rowe Price Ret 2050 I 3 73,609 # |
| T. Rowe Price Ret 2055 I 3 52,072 # |
| T. Rowe Price Ret 2035 I 2 71,193 # |
| T. Rowe Price Ret 2060 I 2 25,418 # |
| T. Rowe Price Ret 2025 I 2 14,537 # |
| Vanguard Mid Cap Index Adm 7 ,820 # |
| AB Lg Cap Gr Z 2 1,656 # |
| Fidelity Adv Intl Gr Z 7 2,345 # |
| Fidelity Small Cap Index 5 1,621 # |
| JPMorgan Mid Cap Gr R6 2 6,286 # |
| Dodge & Cox Stock I 5 ,180 # |
| AB Small Cap Gr Z 1 4,259 # |
| T. Rowe Price Ret 2065 I 7 1,469 # |
| T. Rowe Price Ret 2020 I 4 7,195 # |
| DFA Infl-Prtctd Sec I 6 8,298 # |
| MFS Mid Cap Val R6 1 6,970 # |
| T. Rowe Price Ret 2015 I 3 0,076 # |
| Macquarie Small Cap Val R6 4 ,459 # |
| T. Rowe Price Ret 2010 I 4 ,881 # |
| T. Rowe Price Ret 2005 I 5 73 # |
| Transamerica Guaranteed Investment Option – # |
| Notes receivable from participants January 2025 to January 2035 |
| Transamerica Life Ins Co Transamerica Guaranteed Inv Option |
| AB AB Lg Cap Gr Z |
| AB AB Small Cap Gr Z |
| Dodge & Cox Dodge & Cox Stock I |
| Fidelity 500 Index |
| Fidelity Small Cap Index |
| Fidelity Adv Intl Gr Z |
| JPMorgan Mid Cap Gr R6 |
| State Street State St l US Govt M1y Mkt Premier |
| T. Rowe Price Ret 2005 I |
| T. Rowe Price Ret 2010 I |
| T. Rowe Price Ret 2025 I |
| T. Rowe Price Ret 2030 I |
| T. Rowe Price Ret 2035 I |
| T. Rowe Price Ret 2040 I |
| T. Rowe Price Ret 2045 I |
| T. Rowe Price Ret 2050 I |
| T. Rowe Price Ret 2055 I |
| T. Rowe Price Ret 2060 I |
| Vanguard Mid Cap Index Adm |
Investment model portfolios
We provide two types of investment model portfolios for BFOB 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 BFOB 401(K) PLAN