Investment options of SBA 401(K) PLAN
Total Available Funds: 22
| Investment Description |
|---|
| Blackrock MS CI ACW I Ex-U.S. Index R Collective trust fund – |
| Blackrock Russell 1000 Index I Collective trust fund – |
| Blackrock Russell 2000 Index I Collective trust fund – |
| Blackrock U.S. Tips Index I Collective trust fund – |
| Fixed Income Allocation I Collective trust fund – |
| International Growth Fund II Fee R1 Collective trust fund – |
| Small Cap Growth Fund II Fee Class R1 Collective trust fund – |
| Large Cap Value Fund Class R1 Collective trust fund – |
| Blackrock Equity Index 1 Collective trust fund – |
| Core Plus Bond Fund Fee Class R1 Collective trust fund – |
| Indexselect Aggressive 2055 Fund CL R6 Collective trust fund – |
| Indexselect Conservative Ret Fund CL R6 Collective trust fund – |
| Indexselect Moderate 2035 Fund CL R6 Collective trust fund – |
| Indexselect Moderate 2045 Fund CL R6 Collective trust fund – |
| Indexselect Moderate 2055 Fund CL R6 Collective trust fund – |
| Indexselect Moderate Retire Fund CL R6 Collective trust fund – |
| Indexselect Aggressive 2045 Fund CL R6 Collective trust fund – |
| Indexselect Conservative 2055 Fund CL R6 Collective trust fund – |
| Indexselect Conservative 2035 Fund CL R6 Collective trust fund |
| Indexselect Conservative 2045 Fund CL R6 Collective trust fund – |
| Guaranteed Portfolio Fund Guaranteed investment contract – |
| Notes receivables from participants rates ranging from 4.25% to 9.50% – |
Investment model portfolios
We provide two types of investment model portfolios for SBA 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 SBA 401(K) PLAN