Investment options of BIOURJA RENEWABLES RETIREMENT PLAN
Total Available Funds: 32
| Investment Description |
|---|
| AB Small Cap Growth Portfolio Z Pooled separate account – |
| American Funds AM Balanced R6 Pooled separate account – |
| DFA Emerging Markets Core Equity Pt Ins Pooled separate account – |
| DFA International-Protect Security Portfolio Ins Pooled separate account – |
| DFA US Large Comp Portfolio Ins Pooled separate account – |
| DFA US Small Cap Portfolio Ins Pooled separate account – |
| DFA US Targeted Value Portfolio Ins Pooled separate account – |
| Fidelity 500 Index Fund Pooled separate account – |
| Fidelity Mid Cap Index Fund Pooled separate account – |
| JPMorgan Large Cap Growth Fund R6 Pooled separate account – |
| MFS Mid Cap Growth Fund R6 Pooled separate account – |
| PGIM High Yield Fund R6 Pooled separate account – |
| T.Rowe Price Blue Chip Growth Fund I Pooled separate account – |
| T.Rowe Price Retirement I 2020 Fund I Pooled separate account – |
| T.Rowe Price Retirement I 2025 Fund I Pooled separate account – |
| T.Rowe Price Retirement I 2030 Fund I Pooled separate account – |
| T.Rowe Price Retirement I 2035 Fund I Pooled separate account – |
| T.Rowe Price Retirement I 2040 Fund I Pooled separate account – |
| T.Rowe Price Retirement I 2045 Fund I Pooled separate account – |
| T.Rowe Price Retirement I 2050 Fund I Pooled separate account – |
| T.Rowe Price Retirement I 2055 Fund I Pooled separate account – |
| T.Rowe Price Retirement I 2060 Fund I Pooled separate account – |
| T.Rowe Price Retirement I 2065 Fund I Pooled separate account – |
| Vanguard Equity Income Fund Adm Pooled separate account – |
| Vanguard International Growth Fund Adm Pooled separate account – |
| Vanguard LifeStrat Mid Growth Fund Inv Pooled separate account – |
| Vanguard Mid Cap Value Index Fund Adm Pooled separate account – |
| Vanguard Value Index Fund Adm Pooled separate account – |
| Voya Intermediate Bond Fund R6 Pooled separate account – |
| Vanguard Short-Term Treasury Fund Adm Pooled separate account – |
| Voya Fixed Account Guaranteed investment contract – |
| Notes receivable from participants ranging from 4.25% to 10.50% – |
Investment model portfolios
We provide two types of investment model portfolios for BIOURJA RENEWABLES RETIREMENT 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 BIOURJA RENEWABLES RETIREMENT PLAN