Investment options of E & B NATURAL RESOURCES MANAGEMENT CORP. 401(K) PLAN
Total Available Funds: 32
| Investment Description |
|---|
| CHARLES SCHWAB CASH AND CASH EQUIVALENTS |
| CHARLES SCHWAB SCHWAB S&P 500 INDEX FUND |
| AMERICAN FUNDS AMERICAN FUNDS TARGET DATE 2030 R6 |
| JPMORGAN JPMORGAN LARGE CAP GROWTH R6 |
| AMERICAN FUNDS AMERICAN FUNDS AMERICAN BALANCED R6 |
| JANUS HENDERSON JANUS HENDERSON ENTERPRISE FUND |
| AMERICAN FUNDS AMERICAN FUNDS TARGET DATE 2040 R6 |
| AMERICAN FUNDS AMERICAN FUNDS TARGET DATE 2020 R6 |
| VICTORY VICTORY SYCAMORE ESTABLISHED VALUE I |
| CHARLES SCHWAB SELF-DIRECTED BROKERAGE ACCOUNT |
| NEUBERGER BERMAN NEUBERGER BERMAN GENESIS INVESTMENT |
| AMERICAN FUNDS AMERICAN FUNDS TARGET DATE 2035 R6 |
| METROPOLITAN WEST FUNDS METROPOLITAN WEST TOTAL RETURN BOND |
| OAKMARK OAKMARK FUND |
| AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC GROWTH R6 |
| AMERICAN FUNDS AMERICAN FUNDS TARGET DATE 2050 R6 |
| AMERICAN FUNDS AMERICAN FUNDS WASH MUTUAL R6 |
| PRINCIPAL PRINCIPAL REAL ESTATE SECURITIES INST. |
| PERMANENT PORTFOLIO PERMANENT PORTFOLIO PERMANENT I |
| JPMORGAN JPMORGAN EMERGING MARKETS EQUITY FUND R6 |
| VANGUARD VANGUARD SMALL CAP INDEX AD SH |
| AMERICAN FUNDS AMERICAN FUNDS TARGET DATE 2045 R6 |
| AMERICAN FUNDS AMERICAN FUNDS TARGET DATE 2010 R6 |
| VANGUARD VANGUARD MIDCAP INDEX FUND |
| CHARLES SCHWAB SCHWAB US AGGREGATE BOND INDEX |
| AMERICAN FUNDS AMERICAN FUNDS TARGET DATE 2060 R6 |
| AMERICAN FUNDS AMERICAN FUNDS TARGET DATE 2055 R6 |
| PIMCO PIMCO SHORT RETURN FUND |
| PIMCO PIMCO INCOME FUND INSTITUTIONAL CLASS |
| AMERICAN FUNDS AMERICAN FUNDS TARGET DATE 2025 R6 |
| FIRST EAGLE FIRST EAGLE GOLD FUND CLASS R6 |
| MORLEY MORLEY CAPITAL STABLE VALUE FUND CL3 |
Investment model portfolios
We provide two types of investment model portfolios for E & B NATURAL RESOURCES MANAGEMENT CORP. 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 E & B NATURAL RESOURCES MANAGEMENT CORP. 401(K) PLAN