Investment options of HERB PHARM, LLC SAVINGS PLAN
Total Available Funds: 20
| Investment Option List |
|---|
| (Great Gray) Great Gray Trust American Funds 2035 I |
| Great Gray Great Gray Trust American Funds 2040 I |
| Great Gray Great Gray Trust American Funds 2020 I |
| Great Gray Great Gray Trust American Funds 2045 I |
| Great Gray Great Gray Trust American Funds 2030 I |
| Great Gray Great Gray Trust American Funds 2025 I |
| Great Gray Great Gray Trust American Funds 2055 I |
| Great Gray Great Gray Trust American Funds 2050 I |
| FMTC Fidelity |
| Hartford Funds Hartford Dividend And Growth R6 (HDGYX) |
| Great Gray Great Gray Trust American Funds 2060 I |
| Capital Group Companies, Inc. American Funds Bond Fund Of Amer R6 (RTAFX) |
| State Street Global Advisors State Street S&P MidCap Index Sl Cl XIV (SSGHX) |
| Capital Group Companies, Inc. American Funds American Hi Inc Tr R6 |
| Massachusetts Financial Services MFS Massachusetts Investors Gr Stk R6 |
| American Century Investment American Century Small Cap Growth R6 (ANOHX) |
| Great Gray Great Gray Trust American Funds 2065 I |
| T. Rowe Price Group, Inc. T. Rowe Price Health Sciences I (PRHSX) |
| BlackRock Advisors LLC Blackrock Strategic Income Opps K (BSIIX) |
| Prudential Investments, LLC PGIM Jennison International Opps R6 |
Investment model portfolios
We provide two types of investment model portfolios for HERB PHARM, LLC SAVINGS 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 HERB PHARM, LLC SAVINGS PLAN