Investment options of BISCO, INC. 401(K) PROFIT SHARING PLAN
Total Available Funds: 33
| Investment Description |
|---|
| J P MORGAN SMARTRETIREMENT 2020 SELECT MUTUAL FUND |
| J P MORGAN SMARTRETIREMENT 2040 FUND CLASS I MUTUAL FUND |
| JPMCB STABLE ASSET INCOME F15 STABLE VALUE FUND |
| J P MORGAN SMARTRETIREMENT 2025 SELECT MUTUAL FUND |
| J P MORGAN SMARTRETIREMENT 2030 SELECT MUTUAL FUND |
| SCHWAB SDB SELF-DIRECTED BROKERAGE ACCOUNT |
| J P MORGAN SMARTRETIREMENT 2035 SELECT MUTUAL FUND |
| J P MORGAN SMARTRETIREMENT 2045 SELECT MUTUAL FUND |
| J P MORGAN EQUITY INDEX SELECT MUTUAL FUND |
| J P MORGAN US EQUITY SEL MUTUAL FUND |
| J P MORGAN SMARTRETIREMENT 2050 SELECT MUTUAL FUND |
| J P MORGAN SMARTRETIREMENT INCOME SELECT MUTUAL FUND |
| J P MORGAN SMARTRETIREMENT 2055 SELECT MUTUAL FUND |
| ALLSPRING SPECIAL MID CAP VALUE A MUTUAL FUND |
| ALGER CAPITAL APPRECIATION PTFL I-2 MUTUAL FUND |
| PIMCO INCOME ADM MUTUAL FUND |
| VICTORY SYCAMORE SMALL CO OPPORTUNITY I MUTUAL FUND |
| NEUBERGER BERMAN MID CAP GROWTH A MUTUAL FUND |
| WILLIAM BLAIR SMALL CAP GROWTH I MUTUAL FUND |
| J P MORGAN CORE PLUS BOND SELECT MUTUAL FUND |
| OAKMARK INTERNATIONAL I MUTUAL FUND |
| PIMCO LONG-TERM CREDIT P MUTUAL FUND |
| CLEARBRIDGE MID CAP CLASS I MUTUAL FUND |
| MFS VALUE R3 MUTUAL FUND |
| T. ROWE PRICE REAL ESTATE MUTUAL FUND |
| PIMCO REAL RETURN A MUTUAL FUND |
| TIAA- CREF SMALL-CAP BLEND INDEX RET MUTUAL FUND |
| AMERICAN BEACON INTL EQUITY A MUTUAL FUND |
| INVESCO OPPENHEIMER INT'L GROWTH A MUTUAL FUND |
| AMERICAN FUNDS NEW WORLD FUND R4 MUTUAL FUND |
| PIMCO HIGH YIELD ADMIN MUTUAL FUND |
| DWS ENHANCED COMMODITY STRATEGY INSTL MUTUAL FUND |
| FIDELITY TOTAL INTERNATIONAL INDEX MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for BISCO, INC. 401(K) PROFIT SHARING 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 BISCO, INC. 401(K) PROFIT SHARING PLAN