Investment options of S.B.J.S., P.C. PROFIT SHARING PLAN
Total Available Funds: 28
| Investment Option List |
|---|
| AMERICAN FUNDS – AMERICAN BALANCED (GBLAX) |
| AMERICAN FUNDS – NEW PERSPECTIVE FUND (FFPNX) |
| AMERICAN FUNDS – NEW WORLD FUND (HVWBX) |
| AMERICAN FUNDS – TARGET DATE RETIREMENT 2015 (REJTX) |
| AMERICAN FUNDS – TARGET DATE RETIREMENT 2020 (RECTX) |
| AMERICAN FUNDS – TARGET DATE RETIREMENT 2025 (REDTX) |
| AMERICAN FUNDS – TARGET DATE RETIREMENT 2030 (REETX) |
| AMERICAN FUNDS – TARGET DATE RETIREMENT 2035 (REFTX) |
| AMERICAN FUNDS – TARGET DATE RETIREMENT 2040 (REGTX) |
| AMERICAN FUNDS – TARGET DATE RETIREMENT 2045 (REHTX) |
| AMERICAN FUNDS – TARGET DATE RETIREMENT 2050 (REITX) |
| AMERICAN FUNDS – TARGET DATE RETIREMENT 2055 (FAJTX) |
| AMERICAN FUNDS – TARGET DATE RETIREMENT 2060 (CCKTX) |
| COHEN & STEERS INSTL REALTY SHARES (CSRIX) |
| FRANKLIN TEMPLETON – SMALL CAP GROWTH R6 (FKSCX) |
| GREAT-WEST S&P MID CAP 400 INDEX INSTITUTIONAL FUND |
| GREAT-WEST S&P SMALL CAP 600 INDEX INSTITUTIONAL FUND |
| LORD ABBETT FLOATING RATE R6 |
| MFS INTERNATIONAL GROWTH FUND CLASS R6 (MQGIX) |
| PGIM HIGH YIELD CLASS R6 |
| PIMCO RAE PLUS SMALL INSTITUTIONAL FUND (PCFIX) |
| PIMCO INTERNATIONAL BOND FUND |
| T ROWE PRICE – BLUE CHIP GROWTH I (TRBCX) |
| WESTERN ASSET CORE PLUS BOND |
| STATE STREET EQUITY 500 INDEX K |
| STATE STREET AGGREGATE BOND INDEX K |
| GUARANTEED INTEREST FUND |
| SELF-DIRECTED BROKERAGE ACCOUNTS VARIOUS |
Investment model portfolios
We provide two types of investment model portfolios for S.B.J.S., P.C. PROFIT SHARING 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 S.B.J.S., P.C. PROFIT SHARING PLAN