Investment options of BS&A SOFTWARE 401(K) PROFIT SHARING PLAN
Total Available Funds: 25
| Investment Description |
|---|
| American Beacon Sm Cap Val Instl R6 Fund N/A |
| BlackRock Advisors Equity Dividend I Fund N/A |
| Fidelity Investments Fidelity Extended Market IDX Fund N/A |
| Fidelity Investments Fidelity 500 Index Fund N/A |
| Fidelity Investments Fiam Cr Pl Comm Pl Class I CIT N/A |
| Fidelity Investments Fidelity US Bond Index Fund N/A |
| SEI Trust Company Galliard Stable Return E N/A |
| GreatGray Trust Company GreatGray Europacific Growth CT N/A |
| JP Morgan Funds MidCap Value R6 Fund N/A |
| MainStay Winslow Large Cap Growth I Fund N/A |
| PIMCO Funds PIMCO Income Institutional Fund N/A |
| Principal Global Investors Trust Company LifeTime Hybrid 2020 CIT Z Fund N/A |
| Principal Global Investors Trust Company LifeTime Hybrid 2025 CIT Z Fund N/A |
| Principal Global Investors Trust Company LifeTime Hybrid 2030 CIT Z Fund N/A |
| Principal Global Investors Trust Company LifeTime Hybrid 2035 CIT Z Fund N/A |
| Principal Global Investors Trust Company LifeTime Hybrid 2040 CIT Z Fund N/A |
| Principal Global Investors Trust Company LifeTime Hybrid 2045 CIT Z Fund N/A |
| Principal Global Investors Trust Company LifeTime Hybrid 2050 CIT Z Fund N/A |
| Principal Global Investors Trust Company LifeTime Hybrid 2055 CIT Z Fund N/A |
| Principal Global Investors Trust Company LifeTime Hybrid 2060 CIT Z Fund N/A |
| Principal Global Investors Trust Company LifeTime Hybrid 2065 CIT Z Fund N/A |
| Principal Global Investors Trust Company LifeTime Hybrid Income CIT N/A |
| T. Rowe Price Funds QM US SmallCap Growth Equity Fund N/A |
| T. Rowe Price Funds Institutional MidCap Equity Growth Fund N/A |
| Vanguard Group Infl-Protected Sec Adm Fund N/A |
Investment model portfolios
We provide two types of investment model portfolios for BS&A SOFTWARE 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 BS&A SOFTWARE 401(K) PROFIT SHARING PLAN