Investment options of BSBP&A LLP 401(K) PLAN I
Total Available Funds: 22
| Investment Option List |
|---|
| NEWPORT TRUST COMPANY MONEY MARKET FUND (SMAAX) |
| AMERICAN FUNDS AMERICAN BALANCED R6 FUND (GBLAX) |
| AMERICAN FUNDS EUROPACIFIC GROWTH R6 FUND (FEPUX) |
| BS BANYAN II INVESTMENT LLLP |
| BLACKROCK HIGH YIELD BOND PORTFOLIO K FUND (BHYIX) |
| COLUMBIA STRATEGIC INCOME I3 FUND (LSIZX) |
| JP MORGAN FUNDS GOVERNMENT GROWTH R6 FUND (MVRXX) |
| WILMINGTON TRUST EMERGING MARKETS I1 FUND (VEIEX) |
| OPPENHEIMER INVESCO INTERNATIONAL SMALL CO R6 FUND (IEGIX) |
| PRINCIPAL LIFE INSURANCE COMPANY FIXED INCOME GUARANTEED OPTION (SCCKX) |
| PRINCIPAL LIFE INSURANCE COMPANY REAL ESTATE SECURITIES SA-Z (TLRSX) |
| T. ROWE PRICE FUNDS INSTITUTIONAL LARGE CAP GROWTH FUND (TPLGX) |
| VANGUARD GROUP EQUITY INCOME ADMIRAL FUND (VEIPX) |
| VANGUARD GROUP MID CAP INDEX ADMIRAL FUND (VIMSX) |
| VANGUARD GROUP SMALL CAP INDEX ADMIRAL FUND (VISVX) |
| VANGUARD GROUP TOTAL BOND MARKET INDEX ADMIRAL FUND (VBMFX) |
| VANGUARD GROUP TOTAL INTERNATIONAL STOCK INDEX ADMIRAL FUND (VGTSX) |
| WILMINGTON TRUST BLACKROCK EQUITY INDEX JCL R FUND |
| WILMINGTON TRUST CORE PLUS BOND FD FEE CLASS I1 (GPBFX) |
| WILMINGTON TRUST MID CAPGROWTH I1 FUND |
| WILMINGTON TRUST MID CAP VALUE I1 FUND (SMCDX) |
| WILMINGTON TRUST SMALL CAP GROWTH FUND II I1 (ARPEX) |
Investment model portfolios
We provide two types of investment model portfolios for BSBP&A LLP 401(K) PLAN I 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 BSBP&A LLP 401(K) PLAN I