Investment options of BWC 401(K) SAVINGS PLAN
Total Available Funds: 32
| Investment Description |
|---|
| GALLIARD STBLE RTN C 52,472 Shares |
| NB LG CAP VALUE R6 64,837 Shares |
| TRP BLUE CHIP GRTH 37,821 Shares |
| TRP MID CAP VALUE I 59,882 Shares |
| NYLI MK HY CORP BD I 124,494 Shares |
| LOOMIS INV GRD BD Y 210,250 Shares |
| INVS INTL SMMID CO A 2,569 Shares |
| VI SM-CAP VAL Y 11,565 Shares |
| J H ENTERPRISE N 3,958 Shares |
| AF EUROPAC GROWTH R6 35,023 Shares |
| J H BALANCED N 9,800 Shares |
| FID SMALL CAP GROWTH 23,243 Shares |
| FID EMERGING MKTS K 14,641 Shares |
| FID 500 INDEX 18,913 Shares |
| FID MID CAP IDX 33,307 Shares |
| FID SM CAP IDX 11,098 Shares |
| FID INTL INDEX 16,017 Shares |
| FID US SUSTN IDX 12,744 Shares |
| FID FREEDOM INC K 6,908 Shares |
| FID FREEDOM 2015 K 1,159 Shares |
| FID FREEDOM 2020 K 86,373 Shares |
| FID FREEDOM 2025 K 68,420 Shares |
| FID FREEDOM 2030 K 93,129 Shares |
| FID FREEDOM 2035 K 202,046 Shares |
| FID FREEDOM 2040 K 320,902 Shares |
| FID FREEDOM 2045 K 198,941 Shares |
| FID FREEDOM 2050 K 147,139 Shares |
| FID FREEDOM 2055 K 128,380 Shares |
| FID FREEDOM 2060 K 77,068 Shares |
| FID FREEDOM 2065 K 59,793 Shares |
| FID FREEDOM 2070 K 1,175 Shares |
| Notes receivable from participants 4.25-9.50% $ – |
Investment model portfolios
We provide two types of investment model portfolios for BWC 401(K) SAVINGS 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 BWC 401(K) SAVINGS PLAN