Investment options of MCCORMICK BARSTOW 401(K) RETIREMENT PLAN
Total Available Funds: 13
| Investment Description |
|---|
| EMPOWER RETIREMENT REGISTERED INVESTMENT COMPANY AMERICAN FUNDS 2020 TRGT DATE RETIRE F4 |
| EMPOWER RETIREMENT REGISTERED INVESTMENT COMPANY ALGER FUNDS CAPITAL APPRECIATION A |
| EMPOWER RETIREMENT REGISTERED INVESTMENT COMPANY MASSMUTUAL EQUITY OPORTUNITIES SERVICES |
| T. ROWE PRICE REGISTERED INVESTMENT COMPANY T. ROWE PRICE NEW HORIZON |
| EMPOWER RETIREMENT REGISTERED INVESTMENT COMPANY MASSMUTUAL SMALL CAP OPPS SVC |
| AMERICAN FUNDS REGISTERED INVESTMENT COMPANY AMERFUNDS EUROPACIFIC GR FUND |
| EMPOWER RETIREMENT REGISTERED INVESTMENT COMPANY AMERICAN CENTURY MID CAP VALUE INV |
| FRANKLIN TEMPLETON REGISTERED INVESTMENT COMPANY FRANKLIN SMALL CAP VALUE FUND A |
| MFS REGISTERED INVESTMENT COMPANY MFS TOTAL RETURN A |
| PUTMAN REGISTERED INVESTMENT COMPANY PUTMAN LARGE CAP VALUE Y |
| JP MORGAN REGISTERED INVESTMENT COMPANY JP MORGAN MID CAP VALUE I |
| AMERICAN FUNDS REGISTERED INVESTMENT COMPANY AMERICAN FUNDS CAPITAL WORLD G/I R4 |
| INVESCO REGISTERED INVESTMENT COMPANY INVESCO DEVELOPING MARKETS Y |
Investment model portfolios
We provide two types of investment model portfolios for MCCORMICK BARSTOW 401(K) RETIREMENT 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 MCCORMICK BARSTOW 401(K) RETIREMENT PLAN