Investment options of THE BERNARD GROUP 401(K) PLAN
Total Available Funds: 33
| Investment Option List |
|---|
| Principal Trust Company Principal LifeTime Hybrid Income (PHJFX) |
| Principal Trust Company Principal LifeTime Hybrid 2015 (PHJMX) |
| Principal Trust Company Principal LifeTime Hybrid 2020 (PHJTX) |
| Principal Trust Company Principal LifeTime Hybrid 2025 (PHJQX) |
| Principal Trust Company Principal LifeTime Hybrid 2030 (PHJNX) |
| Principal Trust Company Principal LifeTime Hybrid 2035 (PHJJX) |
| Principal Trust Company Principal LifeTime Hybrid 2040 (PHJEX) |
| Principal Trust Company Principal LifeTime Hybrid 2045 (PHJYX) |
| Principal Trust Company Principal LifeTime Hybrid 2050 (PHJUX) |
| Principal Trust Company Principal LifeTime Hybrid 2055 (PHJBX) |
| Principal Trust Company Principal LifeTime Hybrid 2060 (PHJGX) |
| Principal Trust Company Principal LifeTime Hybrid 2065 (PLTFX) |
| Principal Trust Company Principal LifeTime Hybrid 2070 (PLKJX) |
| Great Gray Trust Company Large Cap Value R1 (GLLIX) |
| Great Gray Trust Company Mid Cap Growth R1 (MXMGX) |
| Great Gray Trust Company Small Cap Growth Fund II R1 (MXMSX) |
| Great Gray Trust Company Small Cap Value II R1 Fund (MXLSX) |
| Great Gray Trust Company Mid Cap Value R1 (MXMCX) |
| Great Gray Trust Company Core Plus Bond R1 (MXFDX) |
| PGIM High Yield R6 (PHYEX) |
| JanusHenderson Balanced N |
| Vanguard 500 Index Admiral (VFINX) |
| Vanguard Mid Cap Index (VIMSX) |
| Vanguard Small Cap Index (VISVX) |
| Fidelity Emerging Market Index |
| MFS International Diversification (MDIJX) |
| Nuveen International Equity Index (NSIEX) |
| BlackRock Health Sciences Opportunities (BHSRX) |
| BNY Mellon Natural Resources (FNARX) |
| Columbia Global Technologoy Growth (CMTFX) |
| DFA Commodity Strategy I (DCMSX) |
| JP Morgan Large Cap Growth Fund (SNIGX) |
| Rates of 4.25% – 9.50% – |
Investment model portfolios
We provide two types of investment model portfolios for THE BERNARD GROUP 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 THE BERNARD GROUP 401(K) PLAN