Investment options of IBEW LOCAL 712 PROFIT SHARING PLAN
Total Available Funds: 25
| Investment Option List |
|---|
| American Funds 2010 Target R6 (REATX) |
| American Funds 2015 Target R6 (REJTX) |
| American Funds 2020 Target R6 (RECTX) |
| American Funds 2025 Target R6 (REDTX) |
| American Funds 2030 Target R6 (REETX) |
| American Funds 2035 Target R6 (REFTX) |
| American Funds 2040 Target R6 (REGTX) |
| American Funds 2045 Target R6 (REHTX) |
| American Funds 2050 Target R6 (REITX) |
| American Funds 2055 Target R6 (FAJTX) |
| American Funds 2060 Target R6 (CCKTX) |
| American Funds 2065 Target R6 (FBMTX) |
| Dodge & Cox Stock Fund (DODFX) |
| Janus Henderson Enterprise N (JMGRX) |
| Vanguard Developed Markets Index Admiral (VDMIX) |
| Vanguard Extended Market Index Admiral (VEXMX) |
| Wasatch Core Growth Fund Institutional (WGROX) |
| IBEW/NECA Equity |
| EAIC Empower Guaranteed Income Fund |
| EAIC Balanced I Fund |
| EAIC Capital Group Europacific Growth (CEUFX) |
| EAIC Core Bond Enhanced Index (MFDYX) |
| EAIC Lg Cap Growth II |
| EAIC Mid Cap Value Robeco Boston Partners Fd (BPAIX) |
| EAIC Small Cap Value / Victory Fund (VSVIX) |
Investment model portfolios
We provide two types of investment model portfolios for IBEW LOCAL 712 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 IBEW LOCAL 712 PROFIT SHARING PLAN