Investment options of MBMS 401K PLAN
Total Available Funds: 33
| Investment Description |
|---|
| American Funds 2015 Target Date Retire R6 Registered Investment Company |
| American Funds 2020 Target Date Retire R6 Registered Investment Company |
| American Funds 2025 Target Date Retire R6 Registered Investment Company |
| American Funds 2030 Target Date Retire R6 Registered Investment Company |
| American Funds 2035 Target Date Retire R6 Registered Investment Company |
| American Funds 2040 Target Date Retire R6 Registered Investment Company |
| American Funds 2045 Target Date Retire R6 Registered Investment Company |
| American Funds 2050 Target Date Retire R6 Registered Investment Company |
| American Funds 2055 Target Date Retire R6 Registered Investment Company |
| American Funds 2060 Target Date Retire R6 Registered Investment Company |
| American Funds 2065 Target Date Retire R6 Registered Investment Company |
| American Century Government Bond R5 Registered Investment Company |
| American Century Small Cap Value R6 Registered Investment Company |
| American Century Ultra R6 Registered Investment Company |
| BlackRock Health Sciences Opps Instl Registered Investment Company |
| BlackRock High Yield Bond Instl Registered Investment Company |
| BlackRock Inflation Protected Bond K Registered Investment Company |
| BlackRock Strategic Global Bond K Registered Investment Company |
| Columbia Global Tech Growth Instl 2 Registered Investment Company |
| Fidelity Advisor Focused Emerging Mrkt Z Registered Investment Company |
| Fidelity Advisor Global Commodity Stk Z Registered Investment Company |
| Invesco Gold & Special Minerals R6 Registered Investment Company |
| JPMorgan Income R6 Registered Investment Company |
| JPMorgan Mid Cap Growth R6 Registered Investment Company |
| MassMutual Overseas I Registered Investment Company |
| MFS Mid Cap Value R6 Registered Investment Company |
| Vanguard 500 Index Admiral Registered Investment Company |
| Vanguard Equity Income Fund Registered Investment Company |
| Vanguard Short-Term Federal Inv Registered Investment Company |
| Vanguard Small Cap Index Adm Registered Investment Company |
| Principal MidCap S&P 400 Index R6 Registered Investment Company |
| Fidelity Advisor Investment Gr Bd Z Registered Investment Company |
| Contract |
Investment model portfolios
We provide two types of investment model portfolios for MBMS 401K 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 MBMS 401K PLAN