Investment options of GBI 401(K) PLAN
Total Available Funds: 31
| Investment Option List |
|---|
| Fidelity 500 Index (FUSEX) |
| American Funds 2040 Trgt Date (REGTX) |
| American Funds 2030 Trgt Date (FATSX) |
| American Funds 2045 Trgt Date (REHTX) |
| American Funds 2050 Trgt Date (REITX) |
| American Funds 2035 Trgt Date (REFTX) |
| American Funds 2060 Trgt Date (CCKTX) |
| American Funds 2025 Trgt Date (REDTX) |
| American Funds 2055 Trgt Date (FAJTX) |
| American Funds 2065 Trgt Date (FBMTX) |
| JPMorgan Large Cap Growth (SEEGX) |
| Vanguard Small Small Cap Index Admin (VISVX) |
| American Funds New Perspective (FFPNX) |
| American Funds Bond Fund of America (FBOFX) |
| Vanguard Mid Cap Index Adm (VIMSX) |
| Macquarie Macquarie Mid Cap growth R6 (VMGIX) |
| DFA Emerging Markets I (DFESX) |
| American Century Mid Cap Value (IACIX) |
| Vanguard Inflation Protected Secs Adm (VIPSX) |
| PIMCO Commodity Real Ret Strat Instl (QRAYX) |
| American Funds 2020 Trgt Date (RECTX) |
| American Funds EuroPacificGFR (CMFCX) |
| PIMCO Diversified Inc Instl (PFCIX) |
| PGIM PGIM High Yield (PHYEX) |
| Bank of New York BNY Mellon (MNYMX) |
| Templeton Investments Templeton Global Bond (TGBAX) |
| American Funds 2070 Trgt Date (FATSX) |
| American Funds 2015 Trgt Date (REJTX) |
| Macquarie Macquarie Small Cap growth R6 (SGRIX) |
| Wilmington Trust Wilmington/BlackRock EAFE Equity Index |
| rates from 7.25% to 9.50% -0- |
Investment model portfolios
We provide two types of investment model portfolios for GBI 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 GBI 401(K) PLAN