Investment options of BLUE BIRD 401(K) PLAN
Total Available Funds: 32
| Investment Description |
|---|
| EMPOWER SAGIC DIVERSIFIED BOND |
| EMPOWER HOLDING ACCOUNT |
| EMPOWER MM US GOVT MONEY MARKET FUND |
| EMPOWER SELF DIRECTED BROKERAGE ACCOUNT |
| EMPOWER MM CORE BOND FUND |
| EMPOWER MM HIGH YIELD FUND |
| EMPOWER ALLSPRING SPEC MID CP VAL FUND |
| EMPOWER ALLSPRING SPEC SM CAP VAL FUND |
| EMPOWER FIDELITY 500 INDEX FUND |
| EMPOWER FIDELITY MID CAP INDEX FUND |
| EMPOWER FIDELITY SMALL CAP INDEX FUND |
| EMPOWER FIDELITY CONTRA FUND |
| EMPOWER FIDELITY INTERNATIONAL INDX FUND |
| EMPOWER FIDELITY U. S. BOND INDEX FUND |
| EMPOWER ALGER CAPITAL APPRECIATION FUND |
| EMPOWER AMERICAN FUNDS NEW WORLD FUND |
| EMPOWER FRANKLIN SMALL CAP GROWTH FUND |
| EMPOWER AMERFUNDS EUROPACIFIC GR FUND |
| EMPOWER MM SLCT T. ROWE PR RTMT 2015 FD |
| EMPOWER MM SLCT T. ROWE PR RTMT 2020 FD |
| EMPOWER MM SLCT T. ROWE PR RTMT 2025 FD |
| EMPOWER MM SLCT T. ROWE PR RTMT 2030 FD |
| EMPOWER MM SLCT T. ROWE PR RTMT 2035 FD |
| EMPOWER MM SLCT T. ROWE PR RTMT 2040 FD |
| EMPOWER MM SLCT T. ROWE PR RTMT 2045 FD |
| EMPOWER MM SLCT T. ROWE PR RTMT 2050 FD |
| EMPOWER MM SLCT T. ROWE PR RTMT 2055 FD |
| EMPOWER MM SLCT T. ROWE PR RTMT 2060 FD |
| EMPOWER MM SLCT T. ROWE PR RTMT BLND FD |
| EMPOWER T. ROWE PRICE BL CHP GRWTH FUND |
| EMPOWER BLACKROCK MID CAP GROWTH EQUITY |
| EMPOWER BLACKROCK EQUITY DIVIDEND FUND |
Investment model portfolios
We provide two types of investment model portfolios for BLUE BIRD 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 BLUE BIRD 401(K) PLAN