Investment options of ONEBRIDGE 401(K) PLAN
Total Available Funds: 33
| Investment Description |
|---|
| Schwab Deposit Account |
| American Funds American Balance R6 |
| American Funds 2015 Target Date Ret R6 |
| American Funds 2020 Target Date Ret R6 |
| American Funds 2025 Target Date Ret R6 |
| American Funds 2030 Target Date Ret R6 |
| American Funds 2035 Target Date Ret R6 |
| American Funds 2040 Target Date Ret R6 |
| American Funds 2045 Target Date Ret R6 |
| American Funds 2050 Target Date Ret R6 |
| American Funds 2055 Target Date Ret R6 |
| American Funds 2060 Target Date Ret R6 |
| Blackrock High Yield BD Port CL K |
| Blackrock Mid-Cap Growth Equity Inst |
| Morgan Stanley INTL Advantage Port I |
| PIMCO INCM FD INST CL |
| Vanguard Short-term Federal ADM |
| Vanguard Hi-Yield Corp FD Admiral SH |
| iShares Core S&P |
| iShares Rusl 2000 Sm Cap Index |
| iShares MSCI EAFE |
| iShares Russell Top 200 Growth |
| iShares 20+ Year Treasury Bond |
| iShares 7-10 Year Treasury Bond |
| PIMCO Investment Grade Corp BD |
| Schwab Emerging Markets Equity |
| Schwab International Equity |
| Schwab U.S. Large-Cap Growth |
| Schwab U.S. Mid-Cap |
| Schwab US Aggregate Bond |
| Vanguard Small Cap Growth |
| Vanguard Value |
| Rates from 4.25% to 9.50% – |
Investment model portfolios
We provide two types of investment model portfolios for ONEBRIDGE 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 ONEBRIDGE 401(K) PLAN