Investment options of SBA DEFINED CONTRIBUTION PLAN FOR CAPITAL CENTER,
Total Available Funds: 27
| Investment Description |
|---|
| Vanguard Target Retirement 2050 Trust II Common/Collective Trust |
| Vanguard Target Retirement 2060 Trust II Common/Collective Trust |
| Vanguard Target Retirement 2045 Trust II Common/Collective Trust |
| Vanguard Target Retirement 2055 Trust II Common/Collective Trust |
| Wilmington Trust MFS Growth CIT Fee Class S Common/Collective Trust |
| Vanguard Target Retirement 2025 Trust II Common/Collective Trust |
| Vanguard Target Retirement 2040 Trust II Common/Collective Trust |
| Vanguard Target Retirement 2065 Trust II Common/Collective Trust |
| Vanguard Target Retirement 2035 Trust II Common/Collective Trust |
| Vanguard Target Retirement Income Trust II Common/Collective Trust |
| Vanguard Target Retirement 2070 Trust II Common/Collective Trust |
| Vanguard Target Retirement 2030 Trust II Common/Collective Trust |
| American Funds EuroPacific R6 Registered Investment Company |
| Cohen&Steers Real Est S Fd Z Registered Investment Company |
| Fid US Bd Id Fd Registered Investment Company |
| Fidelity 500 Index Fund Registered Investment Company |
| Fidelity Ext Mkt Index Fund Registered Investment Company |
| Fidelity Tot Intl Idx Fund Registered Investment Company |
| JPMorgan Emrg Mkts Eqty Fd R6 Registered Investment Company |
| JPMorgan Mid Cap Growth Fd R6 Registered Investment Company |
| PIMCO RAE US Small Ins Registered Investment Company |
| PIMCO Real Return Fund Ins Registered Investment Company |
| Vangrd Equity Income Fund Adm Registered Investment Company |
| Victory Sycmr Est Vl Fd R6 Registered Investment Company |
| Voya Gv Mny Mkt F A (Hld Acct) Registered Investment Company |
| Voya Intermediate Bond Fund R6 Registered Investment Company |
| Wasatch Core Growth Fd Inst Registered Investment Company |
Investment model portfolios
We provide two types of investment model portfolios for SBA DEFINED CONTRIBUTION PLAN FOR CAPITAL CENTER, 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 DEFINED CONTRIBUTION PLAN FOR CAPITAL CENTER,