Investment options of EA ENGINEERING, SCIENCE, AND TECHNOLOGY, INC., PBC SAVINGS AND RETIREMENT PLAN
Total Available Funds: 31
| Investment Description |
|---|
| GALLIARD GALLIARD STABLE RETURN FUND |
| VANGUARD VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND |
| MFS MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R6 |
| VANGUARD VANGUARD INSTITUTIONAL INDEX FUND |
| INVESCO INVESCO OPPENHEIMER DEVELOPING MARKETS FUND CLASS R6 |
| VANGUARD VANGUARD TOTAL BOND MARKET INDEX FUND |
| VANGUARD VANGUARD SMALL CAP INDEX FUND |
| HARBOR HARBOR CAPITAL APPRECIATION FUND INSTITUTIONAL CLASS |
| VANGUARD VANGUARD MID-CAP INDEX FUND |
| MFS MFS VALUE FUND CLASS R6 |
| MFS MFS MID CAP VALUE FUND CLASS R6 |
| HARTFORD HARTFORD INTERNATIONAL OPPORTUNITIES FUND CLASS R6 |
| AMERICAN BEACON AMERICAN BEACON SMALL CAP VALUE FUND R6 |
| BLACKROCK BLACKROCK MID-CAP GROWTH EQUITY FUND CLASS K |
| PRINCIPAL FUNDS PRINCIPAL SMALLCAP GROWTH FUND I R6 |
| FIDELITY INVESTMENTS FIDELITY FREEDOM INCOME FUND CLASS K6 |
| FIDELITY INVESTMENTS FIDELITY TOTAL BOND FUND K6 |
| FIDELITY INVESTMENTS FIDELITY GOVERNMENT MONEY MARKET PORTFOLIO |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2005 FUND CLASS K6 |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2010 FUND CLASS K6 |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2015 FUND CLASS K6 |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2020 FUND CLASS K6 |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2025 FUND CLASS K6 |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2030 FUND CLASS K6 |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2035 FUND CLASS K6 |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2040 FUND CLASS K6 |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2045 FUND CLASS K6 |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2050 FUND CLASS K6 |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2055 FUND CLASS K6 |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2060 FUND CLASS K6 |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2065 FUND CLASS K6 |
Investment model portfolios
We provide two types of investment model portfolios for EA ENGINEERING, SCIENCE, AND TECHNOLOGY, INC., PBC SAVINGS AND RETIREMENT 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 EA ENGINEERING, SCIENCE, AND TECHNOLOGY, INC., PBC SAVINGS AND RETIREMENT PLAN