Investment options of GOLD BOND 401(K) PLAN
Total Available Funds: 19
| Investment Option List |
|---|
| Blackrock Lifepath Index Retirement K (STLAX) |
| Blackrock Lifepath Index 2030 K (STLDX) |
| Blackrock Lifepath Index 2035 K (LPJCX) |
| Blackrock Lifepath Index 2040 K (STLEX) |
| Blackrock Lifepath Index 2045 K (LPHRX) |
| Blackrock Lifepath Index 2050 K (LPRFX) |
| Blackrock Lifepath Index 2055 K (LEVAX) |
| Blackrock Lifepath Index 2060 K (BAPAX) |
| American Funds Europacific GR R6 (FEPUX) |
| American Century Inflation Adj Bond R6 (BFICX) |
| Vanguard Developed Markets Index Admiral VTMGX (VTMGX) |
| Janus Henderson Triton N (JSMGX) |
| Vanguard Small Cap Index ADM (VISVX) |
| Vanguard Mid Cap Index Fund – Admiral (VIMSX) |
| American Funds Washington Mutual R6 (FWMMX) |
| Putnam Large Cap Growth R6 (PNOYX) |
| Vanguard 500 Index Admiral (VFINX) |
| Baird Core Plus Bond Inst (BCOIX) |
| Federated Institutional High Yield Bond R6 (FIHBX) |
Investment model portfolios
We provide two types of investment model portfolios for GOLD BOND 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 GOLD BOND 401(K) PLAN