Investment options of BENEFIT RECOVERY 401(K) PLAN
Total Available Funds: 26
| Investment Description |
|---|
| American Funds US Govt Money N/R |
| American Funds Invest Co of N/R |
| American Funds Growth Fund of N/R |
| American Funds Moderate G/I N/R |
| American Funds Capital World G/I N/R |
| American Funds Smallcap World R6 N/R |
| Invesco Diversified Dividend R6 N/R |
| American Funds 2050 Target Date N/R |
| American Funds 2045 Target Date N/R |
| American Funds 2035 Target Date N/R |
| American Funds 2030 Target Date N/R |
| American Funds 2055 Target Date N/R |
| American Funds Bond Fund of N/R |
| American Funds 2060 Target Date N/R |
| American Funds 2040 Target Date N/R |
| American Funds Fundamental Invs N/R |
| American Funds 2020 Target Date N/R |
| Parametric Parametric Commodity Strategy N/R |
| American Funds 2025 Target Date N/R |
| BlackRock Emerging Mkts K N/R |
| American Funds 2065 Target Date N/R |
| Janus Henderson Balanced R6 N/R |
| American Funds 2010 Trgt Date N/R |
| American Funds Europacific Gr R6 N/R |
| American Funds Inc Fund of Amer N/R |
| American Funds US Government N/R |
Investment model portfolios
We provide two types of investment model portfolios for BENEFIT RECOVERY 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 BENEFIT RECOVERY 401(K) PLAN