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Investment options of RETIREMENT PLAN FOR OCEANFIRST BANK
Total Available Funds: 47
| Investment Description |
|---|
| New York Life New York Life Anchor |
| Columbia Trust Dividend Income |
| American Beacon American Beacon Small Cap |
| American Funds 2010 Target Date Retirement Fund |
| American Funds 2015 Target Date Retirement Fund |
| American Funds 2020 Target Date Retirement Fund |
| American Funds 2025 Target Date Retirement Fund |
| American Funds 2030 Target Date Retirement Fund |
| American Funds 2035 Target Date Retirement Fund |
| American Funds 2040 Target Date Retirement Fund |
| American Funds 2045 Target Date Retirement Fund |
| American Funds 2050 Target Date Retirement Fund |
| American Funds 2055 Target Date Retirement Fund |
| American Funds 2060 Target Date Retirement Fund |
| American Funds EuroPacific Growth |
| American Funds New World Fund |
| Dimensional DFA Inflation Protected Securities |
| Fidelity 500 Index |
| Fidelity International Index |
| Fidelity Mid Cap Index |
| Fidelity Small Cap Index |
| Fidelity US Bond Index |
| Hood River Hood River Small-Cap |
| Janus Janus Henderson |
| JPMorgan Large Cap Growth Fund |
| MFS Mid Cap |
| Prudential Prudential High-Yield |
| T.Rowe Price T.Rowe Price U.S. Equity Research I |
| OceanFirst Financial Corp. Common Stock |
| NYL New York Life Anchor |
| American Beacon American Beacon Small Cap Val R5 |
| American Funds 2015 Trgt Dt Ret R6 |
| American Funds 2020 Trgt Dt Ret R6 |
| American Funds 2025 Trgt Dt Ret R6 |
| American Funds 2030 Trgt Dt Ret R6 |
| American Funds 2035 Trgt Dt Ret R6 |
| American Funds 2040 Trgt Dt Ret R6 |
| American Funds 2045 Trgt Dt Ret R6 |
| American Funds 2050 Trgt Dt Ret R6 |
| American Funds 2055 Trgt Dt Ret R6 |
| American Funds 2060 Trgt Dt Ret R6 |
| American Funds EuroPacific Gr R6 |
| Fidelity Intl Index |
| JPMorgan Lg Cap Gr R6 |
| MFS Mid Cap Val R6 |
| T. Rowe Price U.S. Eq Research I |
| Columbia Trust Dividend Inc |
Investment model portfolios
We provide two types of investment model portfolios for RETIREMENT PLAN FOR OCEANFIRST BANK 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 RETIREMENT PLAN FOR OCEANFIRST BANK