Investment options of BLITT & GAINES, P.C. PROFIT SHARING PLAN AND TRUST
Total Available Funds: 20
| Investment Option List |
|---|
| American Funds EuroPacific Growth Fund R6 (FEPUX) |
| American Funds New Perspective Fund R6 (FFPNX) |
| American Funds Target Date Retirement 2020 Fund (RECTX) |
| American Funds Target Date Retirement 2025 Fund (REDTX) |
| American Funds Target Date Retirement 2030 Fund (REETX) |
| American Funds Target Date Retirement 2035 Fund (REFTX) |
| American Funds Target Date Retirement 2040 Fund (REGTX) |
| American Funds Target Date Retirement 2045 Fund (REHTX) |
| American Funds Target Date Retirement 2050 Fund (REITX) |
| American Funds Target Date Retirement 2055 Fund (FAJTX) |
| American Funds Target Date Retirement 2060 Fund (CCKTX) |
| American Funds Target Date Retirement 2065 Fund (FBMTX) |
| Carillon Eagle Mid Cap Growth Fund R6 (HRAYX) |
| Ivy Investments Emerging Markets Equity Mid-Cap Growth Fund (JOMEX) |
| PIMCO Real Return Fund Institutional (PRLPX) |
| Vanguard 500 Index Fund Admiral Shares (VFIAX) |
| Vanguard Short-Term Investment-Grade Admiral Shares (VFSTX) |
| Vanguard U.S. Growth Fund Admiral Shares (VWUAX) |
| Vanguard Value Index Fund Admiral Shares (VVIAX) |
| Vanguard Small-Cap Index Fund Admiral Shares (VSMAX) |
Investment model portfolios
We provide two types of investment model portfolios for BLITT & GAINES, P.C. PROFIT SHARING PLAN AND TRUST 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 BLITT & GAINES, P.C. PROFIT SHARING PLAN AND TRUST