Investment options of CBERA PLAN A
Total Available Funds: 23
| Investment Description |
|---|
| MFS Institutional International Equity 1,063,952 Institutional International Equity Fund |
| Fidelity 235,576 Fidelity 500 Index Fund |
| T. Rowe Price 2,678,885 Spectrum Income Fund |
| T. Rowe Price 1,245,775 Blue Chip Growth Trust T2 |
| T. Rowe Price 474,575 Government Money Fund |
| T. Rowe Price 1,125,332 Equity Income Trust |
| T. Rowe Price 295,599 U.S. Mid-Cap Growth Equity Trust |
| Dimensional Fund Advisors 443,702 DFA US Small Cap Inst |
| T. Rowe Price 279,092 Retirement Balanced Trust |
| T. Rowe Price 69,481 Retirement 2005 Trust |
| T. Rowe Price 510,626 Retirement 2010 Trust |
| T. Rowe Price 309,968 Retirement 2015 Trust |
| T. Rowe Price 1,744,895 Retirement 2020 Trust |
| T. Rowe Price 2,174,300 Retirement 2025 Trust |
| T. Rowe Price 2,680,963 Retirement 2030 Trust |
| T. Rowe Price 1,769,425 Retirement 2035 Trust |
| T. Rowe Price 1,344,398 Retirement 2040 Trust |
| T. Rowe Price 866,932 Retirement 2045 Trust |
| T. Rowe Price 747,926 Retirement 2050 Trust |
| T. Rowe Price 533,416 Retirement 2055 Trust |
| T. Rowe Price 411,507 Retirement 2060 Trust |
| T. Rowe Price 104,383 Retirement 2065 Trust |
| with maturity in one month to fourteen years |
Investment model portfolios
We provide two types of investment model portfolios for CBERA PLAN A 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 CBERA PLAN A