Investment options of BRAINLAB, INC. 401(K) PLAN
Total Available Funds: 29
| Investment Description |
|---|
| AB Global Bond Fund Z |
| AB Small Cap Growth Portfolio – Class Z |
| American Century Mid Cap Value Fund R6 |
| American Funds 2010 Target Date R6 |
| American Funds 2015 Target Date R6 |
| American Funds 2020 Target Date R6 |
| American Funds 2025 Target Date R6 |
| American Funds 2030 Target Date R6 |
| Invesco Oppenheimer Dev Markets FD R6 |
| InvESCO OPPENHEIMER DEV MKTS FD R6 |
| PIMCO High Yield Fund Institutional |
| TIAA-CREF Large-Cap Growth Fund Inst. |
| TIAA-CRE LIFECYCLE INDEX 2015 FUND INST. |
| TIAA-CRE LIFECYCLE INDEX 2020 FUND INST. |
| TIAA-CRE LIFECYCLE INDEX 2025 FUND INST. |
| TIAA-CRE LIFECYCLE INDEX 2030 FUND INST. |
| TIAA-CRE LIFECYCLE INDEX 2035 FUND INST. |
| TIAA-CRE LIFECYCLE INDEX 2040 FUND INST. |
| TIAA-CRE LIFECYCLE INDEX 2045 FUND INST. |
| TIAA-CRE LIFECYCLE INDEX 2050 FUND INST. |
| TIAA-CRE LIFECYCLE INDEX 2055 FUND INST. |
| TIAA-CRE LIFECYCLE INDEX 2060 FUND INST. |
| TIAA-CRE LIFECYCLE INDEX 2065 FUND INST. |
| Vanguard Developed Markets Index ADM |
| Vanguard FTSE Social Index Fund Admiral |
| Vanguard Mid-Cap Index Fund Admiral |
| Vanguard Small-Cap Index Fund Admiral |
| VOYA Gov Money Market POOLED SEPARATE ACCOUNT |
| VOYA Intermediate Bond Fund R6 |
Investment model portfolios
We provide two types of investment model portfolios for BRAINLAB, INC. 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 BRAINLAB, INC. 401(K) PLAN