Investment options of CBC U 401(K) PLAN
Total Available Funds: 31
| Investment Description |
|---|
| Fidelity Freedom 2025 K Fund |
| Fidelity Freedom 2030 K Fund |
| Fidelity Freedom 2040 K Fund |
| Fidelity Blue Chip Growth Fund |
| Fidelity Freedom 2050 K Fund |
| Fidelity Freedom 2055 K Fund |
| Fidelity Freedom 2020 K Fund |
| Fidelity Freedom 2045 K Fund |
| Fidelity Freedom 2060 K Fund |
| Fidelity 500 Index Fund |
| Fidelity Overseas Fund |
| Fidelity Freedom 2065 K Fund |
| T. Rowe Price Dividend Growth Fund |
| T. Rowe Price Blue Chip Growth Advantage Fund |
| Fidelity Freedom 2010 K Fund |
| Fidelity Small Cap Value Fund |
| Fidelity Extended Market Index Fund |
| Fidelity Freedom Income K Fund |
| Fidelity Balanced Fund |
| Fidelity International Index Fund |
| Fidelity Low-Priced Stock Fund |
| Fidelity Small Cap Discovery Fund |
| Fidelity Freedom 2015 K Fund |
| Fidelity Multi Asset Index Fund |
| Fidelity U.S. Bond Index Fund |
| Invesco Diversified Dividend R5 Fund |
| Janus Henderson Triton Fund |
| Baird MidCap Investment Fund |
| Fidelity Freedom 2070 K Fund |
| Fidelity Managed Income Portfolio Fund |
| OUTSTANDING LOAN BALANCE |
Investment model portfolios
We provide two types of investment model portfolios for CBC U 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 CBC U 401(K) PLAN