Investment options of MCGRATH NORTH MULLIN & KRATZ, PC LLO PROFIT SHARING / 401(K) PLAN
Total Available Funds: 28
| Investment Description |
|---|
| VANGUARD VANGUARD 500 INDEX FUND ADMIRAL |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT 2025 FUND |
| VANGUARD RETIREMENT SAVINGS TRUST III |
| COLUMBIA COLUMBIA BALANCED FUND; INSTITUTIONAL 3 CLASS |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT 2020 FUND |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT 2030 FUND |
| AMERICAN FUNDS AMERICAN FUNDS AMERICAN MUTUAL FUND; R4 CLASS |
| FIDELITY INVESTMENTS FIDELITY BLUE CHIP GROWTH FUND; CLASS K |
| VANGUARD VANGUARD SMALL‐CAP INDEX FUND ADMIRAL SHARES |
| VANGUARD VANGUARD MID‐CAP INDEX FUND ADMIRAL SHARES |
| JANUS HENDERSON JANUS HENDERSON ENTERPRISE FUND CLASS N |
| BAIRD BAIRD AGGREGATE BOND INSTITUTIONAL CLASS |
| BNY MELLON BNY MELLON INTERNATIONAL STOCK FUND; CLASS I |
| MFS MFS® MID CAP VALUE FUND CLASS R6 |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT 2055 FUND |
| VANGUARD VANGUARD TARGET RETIREMENT INCOME |
| AMERICAN FUNDS AMERICAN FUNDS NEW WORLD FUND; CLASS R6 |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT 2050 FUND |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT 2060 FUND |
| BARON CAPITAL INVESTMENT BARON SMALL CAP FUND; INSTITUTIONAL SHARES |
| VANGUARD VANGUARD REAL ESTATE INDEX FUND ADMIRAL SHARES |
| VANGUARD VANGUARD DEVELOPED MARKETS INDEX FUND ADMIRAL SHARES |
| DIMENSIONAL FUND ADVISORS DFA INTERNATIONAL CORE EQUITY PORTFOLIO INSTITUTIONAL CLASS |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT 2065 FUND |
| JP MORGAN INVESTMENT UNDISCOVERED MANAGERS BEHAVIORAL VALUE FUND; CLASS L |
| VANGUARD VANGUARD TOTAL BOND MARKET INDEX FUND ADMIRAL SHARES |
| PGIM FUNDS PGIM GLOBAL TOTAL RETURN FUND; CLASS Z |
| VANGUARD VANGUARD INSTITUTIONAL TARGET RETIREMENT 2040 FUND |
Investment model portfolios
We provide two types of investment model portfolios for MCGRATH NORTH MULLIN & KRATZ, PC LLO PROFIT SHARING / 401(K) 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 MCGRATH NORTH MULLIN & KRATZ, PC LLO PROFIT SHARING / 401(K) PLAN