Investment options of SHIPBOB 401(K) PLAN
Total Available Funds: 48
| Investment Description |
|---|
| BlackRock LifePath 2040 Fund |
| BlackRock LifePath 2030 Fund |
| Fidelity Intl Bond |
| BlackRock LifePath 2035 Fund |
| Fidelity US Bond |
| Allspring Core Plus Bond Fund |
| BlackRock LifePath 2060 Fund |
| MFS Growth Fund |
| Fidelity Emerging Markets |
| BlackRock LifePath 2055 Fund |
| BlackRock LifePath 2045 Fund |
| Fidelity |
| Fidelity Small Cap |
| MFS Mid Cap Growth Fund |
| AMC Small Cap Value Fund |
| BlackRock LifePath 2050 Fund |
| BlackRock LifePath 2065 Fund |
| BlackRock LifePath Retirement Fund |
| Allspring Special MC Value Fund |
| AB Small Cap Growth Portfolio Fund |
| Fidelity Mid Cap |
| Invesco Stable Asset |
| Putnam Large Cap Value Trust |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| BLACKROCK LIFEPATH 2040 FUND K |
| BLACKROCK LIFEPATH 2030 FUND K |
| FID INTL BOND INDEX |
| BLACKROCK LIFEPATH 2035 K |
| FID US BOND IND |
| ALLSPRING CORE PLUS BOND R6 |
| BLACKROCK LIFEPATH 2060 K |
| MFS GROWTH FUND R6 |
| FID EMERGING MARKETS INDEX |
| BLACKROCK LIFEPATH 2055 FUND K |
| BLACKROCK LIFEPATH 2045 FUND K |
| FID 500 IND |
| FID SMALL CAP INDEX |
| MFS MID CAP GROWTH R6 |
| AMC SMALL CAP VALUE FUND – R6 |
| BLACKROCK LIFEPATH 2050 FUND K |
| BLACKROCK LIFEPATH 2065 K |
| BLACKROCK LIFEPATH RET FUND K |
| ALLSPRING SPECIAL MC VAL R6 |
| AB SMALL CAP GROWTH PORT Z |
| FID MID CAP INDEX |
| INVESCO STABLE ASSET – ADPZ |
| PUT LARGE CAP VAL TR IA |
Investment model portfolios
We provide two types of investment model portfolios for SHIPBOB 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 SHIPBOB 401(K) PLAN