Investment options of VERBAL BEGINNINGS LLC 401(K) PLAN
Total Available Funds: 28
| Investment Option List |
|---|
| Fidelity US Bond Index (FSHBX) |
| Goldman Sachs Inflation Protected Sec (GSIPX) |
| Blackrock Mid-Cap Growth Equity Portfolio (CMGIX) |
| Fidelity Fidelity |
| Fidelity Mid Cap (FIIMX) |
| Fidelity Small Cap (FSISX) |
| Fidelity Small Cap Value Fund (FCPVX) |
| First Eagle First Eagle Global Fund (SGIIX) |
| Hood River Hood River Small-Cap Growth Fund (HRSIX) |
| JPMorgan US Value Fund (JTVAX) |
| Blackrock iShares MSCI EAFE International (BTMPX) |
| John Hancock Disciplined Value Mid Cap (JVMRX) |
| American Funds New World Fund Inc (HVWBX) |
| T Rowe Price T Rowe Price Overseas Stock I Fund (TROSX) |
| American Funds American Balanced Fund (GBLAX) |
| Principal Global Principal Overseas (PMSCX) |
| Principal Global Principal LifeTime 2025 (LTEEX) |
| Principal Global Principal LifeTime 2030 (PMTIX) |
| Principal Global Principal LifeTime 2035 (LTIUX) |
| Principal Global Principal LifeTime 2040 (PTDIX) |
| Principal Global Principal LifeTime 2045 (LTRDX) |
| Principal Global Principal LifeTime 2050 (PPLIX) |
| Principal Global Principal LifeTime 2055 (LTFIX) |
| Principal Global Principal LifeTime 2060 (PLTBX) |
| Principal Global Principal LifeTime 2065 (PLTFX) |
| Principal Global Principal LifeTime 2070 (PLTDX) |
| Principal Global Principal Core Fixed Income (DGCFX) |
| Principal Global Principal Blue Chip (BCGDX) |
Investment model portfolios
We provide two types of investment model portfolios for VERBAL BEGINNINGS LLC 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 VERBAL BEGINNINGS LLC 401(K) PLAN