Investment options of GILBERT ORCHARDS INC 401(K) PLAN
Total Available Funds: 31
| Investment Description |
|---|
| # The American Funds AMERICAN FUNDS AMERICAN BALANCED R6 N/A |
| # The American Funds AMERICAN FUNDS GR AND INC PORT R-6 N/A |
| # The American Funds AMERICAN FUNDS 2035 TRGT DATE RETIRE R6 N/A |
| # BlackRock BLACKROCK TECHNOLOGY OPPORTUNITIES K N/A |
| # The American Funds AMERICAN FUNDS 2050 TRGT DATE RETIRE R6 N/A |
| # The American Funds AMERICAN FUNDS 2040 TRGT DATE RETIRE R6 N/A |
| # The American Funds AMERICAN FUNDS NEW PERSPECTIVE R6 N/A |
| # Fidelity Investments FIDELITY 500 INDEX N/A |
| # The American Funds AMERICAN FUNDS 2025 TRGT DATE RETIRE R6 N/A |
| # The American Funds AMERICAN FUNDS 2060 TRGT DATE RETIRE R6 N/A |
| # The American Funds AMERICAN FUNDS 2055 TRGT DATE RETIRE R6 N/A |
| # The American Funds AMERICAN FUNDS 2045 TRGT DATE RETIRE R6 N/A |
| # J.P. Morgan JPMORGAN EQUITY INCOME R6 N/A |
| # Fidelity Investments FIDELITY MID CAP INDEX N/A |
| # BlackRock BLACKROCK INTERNATIONAL K N/A |
| # The American Funds AMERICAN FUNDS BOND FUND OF AMER R6 N/A |
| # The American Funds AMERICAN FUNDS 2030 TRGT DATE RETIRE R6 N/A |
| # Allspring Global Investments ALLSPRING SPECIAL SMALL CAP VALUE R6 N/A |
| # MFS Investment Management MFS INTERNATIONAL GROWTH R6 N/A |
| # The American Funds AMERICAN FUNDS MORTGAGE R6 N/A |
| # T. Rowe Price Group, Inc. T. ROWE PRICE U.S. EQUITY RESEARCH I N/A |
| # Fidelity Investments FIDELITY SMALL CAP INDEX N/A |
| # The American Funds AMERICAN FUNDS 2065 TRGT DATE RETIRE R6 N/A |
| # BlackRock BLACKROCK HEALTH SCIENCES OPPS K N/A |
| # MFS Investment Management MFS MID CAP GROWTH R6 N/A |
| # The American Funds AMERICAN FUNDS 2015 TRGT DATE RETIRE R6 N/A |
| # The American Funds AMERICAN FUNDS INFLATION LINKED BD R6 N/A |
| # The American Funds AMERICAN FUNDS 2010 TRGT DATE RETIRE R6 N/A |
| # The American Funds AMERICAN FUNDS 2020 TRGT DATE RETIRE R6 N/A |
| # The American Funds AMERICAN FUNDS RETIRE INC PORT-CNSRV R6 N/A |
| Interest rate ranging from 9.00% to 9.50%; maturing 2025 through 2029 |
Investment model portfolios
We provide two types of investment model portfolios for GILBERT ORCHARDS INC 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 GILBERT ORCHARDS INC 401(K) PLAN