Investment options of BMD 401(K) PLAN
Total Available Funds: 28
| Investment Description |
|---|
| The American Funds American Funds Newprsp R6 Fnd |
| Eagle Financial Services, Inc. Carillon Eagle Midcagwth R6 Fd |
| JP Morgan Funds JP Morgan Core Plus Bond R6 Fd |
| Janus International Holdings, LLC Janushenderson Bal N Fund |
| Lord Abbett Sht Drtn Inc R6 Fd |
| SEI Trust Company Allspring Spec M Cap Value R6 |
| Invesco Funds Group, Inc. Invesco Small Cap Value R6 Fd |
| Fidelity Investments Fidelity International Idx Fd |
| Fidelity Investments Fidelity US Bond |
| Fidelity Investments Fidelity Emerg Mkt |
| Great Gray Trust Company Large Cap Grwth Fund Iv Cl I1 |
| Great Gray Trust Company Large Cap Value I1 Fund |
| Great Gray Trust Company Small Cap Gr Fd Fee Cl I1 |
| Great Gray Trust Company Greatgray Euro Growth I1 |
| Great Gray Trust Company Retirepilot Mod Ret Fund R1 |
| Great Gray Trust Company Retirepilot Mod 2035 Fund R1 |
| Great Gray Trust Company Retirepilot Mod 2045 Fund R1 |
| Great Gray Trust Company Retirepilot Mod 2055 Fund R1 |
| Great Gray Trust Company Retirepilot Mod 2065 Fund R1 |
| Great Gray Trust Company Retirepilot Agg Ret Fund R1 |
| Great Gray Trust Company Retirepilot Agg 2035 Fund R1 |
| Great Gray Trust Company Retirepilot Agg 2045 Fund R1 |
| Great Gray Trust Company Retirepilot Agg 2055 Fund R1 |
| Great Gray Trust Company Retirepilot Agg 2065 Fund R1 |
| Great Gray Trust Company Retirepilot Conserv 2035 R1 |
| Great Gray Trust Company Retirepilot Conserv 2045 R1 |
| Great Gray Trust Company Retirepilot Conserv 2055 R1 |
| ranging from 4.25% to 9.5% |
Investment model portfolios
We provide two types of investment model portfolios for BMD 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 BMD 401(K) PLAN