Investment options of HOMRICH BERG 401(K) PROFIT SHARING PLAN
Total Available Funds: 31
| Investment Description |
|---|
| AB SMALL CAP GROWTH PORTFOLIO CLASS Z MUTUAL FUND |
| AMERICAN FUNDS AMERICAN MUTUAL FUND CLASS R6 MUTUAL FUND |
| AMERICAN CENTURY MID CAP VALUE FUND R6 CLASS MUTUAL FUND |
| ALLSPRING SPECIAL SMALL CAP VALUE FUND - CLASS R6 MUTUAL FUND |
| COHEN & STEERS REALTY SHARES FUND CLASS Z MUTUAL FUND |
| FIDELITY 500 INDEX FUND MUTUAL FUND |
| FIDELITY BLUE CHIP GROWTH K6 FUND MUTUAL FUND |
| FIDELITY EMERGING MARKETS INDEX FUND MUTUAL FUND |
| FIDELITY FREEDOM INDEX 2010 INSTITUTIONAL PREMIUM MUTUAL FUND |
| FIDELITY FREEDOM INDEX 2020 INSTITUTIONAL PREMIUM MUTUAL FUND |
| FIDELITY FREEDOM INDEX 2025 INSTITUTIONAL PREMIUM MUTUAL FUND |
| FIDELITY FREEDOM INDEX 2030 INSTITUTIONAL PREMIUM MUTUAL FUND |
| FIDELITY FREEDOM INDEX 2035 INSTITUTIONAL PREMIUM MUTUAL FUND |
| FIDELITY FREEDOM INDEX 2040 INSTITUTIONAL PREMIUM MUTUAL FUND |
| FIDELITY FREEDOM INDEX 2045 INSTITUTIONAL PREMIUM MUTUAL FUND |
| FIDELITY FREEDOM INDEX 2050 INSTITUTIONAL PREMIUM MUTUAL FUND |
| FIDELITY FREEDOM INDEX 2055 INSTITUTIONAL PREMIUM MUTUAL FUND |
| FIDELITY FREEDOM INDEX 2060 INSTITUTIONAL PREMIUM MUTUAL FUND |
| FIDELITY FREEDOM INDEX 2065 INSTITUTIONAL PREMIUM MUTUAL FUND |
| FIDELITY GLOBAL EX U.S. INDEX FUND MUTUAL FUND |
| FIDELITY GOVERNMENT MONEY MARKET FUND CLASS K6 MUTUAL FUND |
| FIDELITY INFLATION-PROTECTED BOND INDEX FUND MUTUAL FUND |
| FIDELITY INTERNATIONAL CAPITAL APPRECIATION K6 FUND MUTUAL FUND |
| FIDELITY MID CAP INDEX FUND MUTUAL FUND |
| FIDELITY SMALL CAP INDEX FUND MUTUAL FUND |
| FIDELITY TOTAL BOND FUND CLASS K6 MUTUAL FUND |
| FIDELITY U.S. BOND INDEX FUND MUTUAL FUND |
| JP MORGAN GOVERNMENT BOND CLASS R6 MUTUAL FUND |
| MFS MID CAP GROWTH FUND CLASS R6 MUTUAL FUND |
| RBC EMERGING MARKETS EQUITY FUND CLASS R6 MUTUAL FUND |
| T. ROWE PRICE DIVIDEND GROWTH FUND MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for HOMRICH BERG 401(K) PROFIT SHARING 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 HOMRICH BERG 401(K) PROFIT SHARING PLAN