Investment options of CEDAR VALLEY BANKSHARES, LTD PROFIT SHARING AND
Total Available Funds: 23
| Investment Description |
|---|
| BLACKROCK BLF FEDFUND |
| BLACKROCK EQUITY DIVIDEND K |
| BLACKROCK IMPACT MORTGAGE INST |
| BLACKROCK IMPACT MRTG INST GM |
| COLUMBIA MIDCAP INDEX 2 |
| COLUMBIA MIDCAP INDX FD INSTL2 |
| INVESCO OPPNHMR INTL GROWTH R6 |
| INVESCO OPPNHMR INTL GTH R6 GM |
| ISHARES MSCI EAFE INTERNATIONAL INDEX K |
| ISHARES RUSSELL 2000 SMALL-CP K |
| ISHARES S&P 500 INDEX FD CL K |
| ISHARES U. S. AGGREGATE BOND K |
| ISHARES U. S. AGGREGATE BD K GM |
| JANUS HENDERSON BALANCED FD N |
| JANUS HENDERSON GLOBAL EQITY N |
| JANUS HENDERSON TRITON FD N |
| JANUS HENDERSON TRITON FUND N |
| MFS MASS INVESTORS GRW R6 |
| MFS MASS INVESTORS GRW STCK R6 |
| NUVEEN SMALL CAP VAL CL R6 |
| NUVEEN SMALL CAP VAL FD CL R6 |
| PIMCO REAL RETURN FD CL INST |
| PIMCO REAL RETURN FD INST GM |
Investment model portfolios
We provide two types of investment model portfolios for CEDAR VALLEY BANKSHARES, LTD PROFIT SHARING AND 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 CEDAR VALLEY BANKSHARES, LTD PROFIT SHARING AND