Investment options of OSHA BERGMAN WATANABE & BURTON 401(K) PLAN
Total Available Funds: 36
| Investment Description |
|---|
| VOYA U. S. STOCK INDEX PORTFOLIO SRV 2 |
| VOYA MFS RESEARCH FUND |
| VOYA RUSSELL MDCP INDX PRT S2 |
| VOYA ALGER CAP APPRECIATION FND A |
| VOYA MFS RESEARCH INTERNATIONAL FUND R |
| VOYA AMERICAN FUNDS AMCAP FUND R3 |
| VOYA CLEAR BRIDGE SMALL CAP GROWTH |
| VOYA AMERICAN FUND BOND |
| VOYA MFS VALUE FUND R2 |
| VOYA VOYA SOLUTION 2025 PORTFOLIO SRV 2 |
| VOYA EATON VANCE-ATL CP SMID-CP FR |
| VOYA VOYA INTERMEDIATE BOND PRT S2 |
| VOYA INVESCO OPPENHEIMER DEVELOPING MARKET FUND N |
| VOYA PIMCO INCOME FUND R |
| VOYA MFS GLOBAL EQUITY FUND |
| VOYA VOYA SOLUTION 2035 PORTFOLIO SRV 2 |
| VOYA VOYA SOLUTION 2045 PORTFOLIO SRV 2 |
| VOYA VOYA SOLUTION 2055 PORTFOLIO SRV 2 |
| VOYA VOYA SOLUTION 2050 PORT SRV2 |
| VOYA VOYA SOLUTION 2040 PORT SRV2 |
| VOYA VOYA RUSSELL SMALL CAP INDEX PRT S2 |
| VOYA VOYA SOLUTION 2060 PORT SRV2 |
| VOYA AB GLOBAL BOND FUND R |
| VOYA VOYA CLARION REAL ESTATE PORT SRV 2 |
| VOYA VICTORY SYCAMORE ESTABLISHED VALUE FUND R |
| VOYA MFS AGGRESSIVE GROWTH ALLOCATION FUND R2 |
| VOYA MFS GROWTH ALLOCATION |
| VOYA BLACKROCK HIGH YLD BOND PORT- CI R |
| VOYA PIMCO COMMODITY REAL RETURN STRATEGY FUND R |
| VOYA VOYA COLUMBIA SMALL CAP VALUE II PORT |
| VOYA MFS CONSERVATIVE ALLOCATION FUND |
| VOYA VOYA SOLUTION 2030 PORT SRV2 |
| VOYA MFS MODERATE ALLOCATION FND R2 |
| VOYA AMERICAN CENTURY SHORT DURATION INFL PROTECT BOND FD R |
| VOYA GOV MONEY MKT FUND A (HOLD ACCT) |
| VOYA VOYA SOLUTION INCOME PORTFOLIO SRV 2 |
Investment model portfolios
We provide two types of investment model portfolios for OSHA BERGMAN WATANABE & BURTON 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 OSHA BERGMAN WATANABE & BURTON 401(K) PLAN