Investment options of NYBG RETIREMENT PLAN
Total Available Funds: 35
| Investment Option List |
|---|
| American Funds Capital Income Builder Pooled Separate Account (FBCIX) |
| American Funds Washington Mutual Pooled Separate Account (FWMMX) |
| Cohen & Steers International Pooled Separate Account (IRFIX) |
| DFA Commodity Strategy Pooled Separate Account (DCMSX) |
| DFA Inflation-Protected Securities Pooled Separate Account (DIPSX) |
| iShares Russell Mid-Cap Index Pooled Separate Account |
| JPMorgan LargeCap Growth Pooled Separate Account |
| PIMCO Income Fund Pooled Separate Account (GSAAX) |
| T.Rowe Price Blue Chip Growth Pooled Separate Account (TRBCX) |
| Vanguard 500 Index Pooled Separate Account (VFINX) |
| Vanguard Balanced Index Pooled Separate Account (VBINX) |
| Vanguard Emerging Markets Stock Pooled Separate Account (VEIEX) |
| Vanguard High-Yield Corporate Pooled Separate Account (VWEHX) |
| Vanguard International Growth Pooled Separate Account (VWILX) |
| Vanguard LifeStrategies Conservative Pooled Separate Account |
| Vanguard LifeStrategies Growth Pooled Separate Account |
| Vanguard LifeStrategies Income Pooled Separate Account |
| Vanguard LifeStrategies Moderate Growth Pooled Separate Account (VSMGX) |
| Vanguard Mid-Cap Growth Pooled Separate Account (VMGIX) |
| Vanguard Mid-Cap Value Pooled Separate Account (VMVIX) |
| Vanguard Small-Cap Growth Pooled Separate Account (VISGX) |
| Vanguard Small-Cap Index Pooled Separate Account (VISVX) |
| Vanguard Small-Cap Value Pooled Separate Account (VISVX) |
| Vanguard Windsor II Pooled Separate Account (VWNFX) |
| Voya Index Solution 2025 Pooled Separate Account (ISZIX) |
| Voya Index Solution 2030 Pooled Separate Account (ISNFX) |
| Voya Index Solution 2035 Pooled Separate Account (ISQIX) |
| Voya Index Solution 2040 Pooled Separate Account (ISNKX) |
| Voya Index Solution 2045 Pooled Separate Account (ISRIX) |
| Voya Index Solution 2050 Pooled Separate Account (ISNPX) |
| Voya Index Solution 2055 Pooled Separate Account (IISNX) |
| Voya Index Solution 2060 Pooled Separate Account (VSPAX) |
| Voya Index Solution 2065 Pooled Separate Account (VIQAX) |
| Voya Index Solution Income Pooled Separate Account (ISWIX) |
| Voya Fixed Account Guaranteed Investment Contract |
Investment model portfolios
We provide two types of investment model portfolios for NYBG 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 NYBG RETIREMENT PLAN