Investment options of IRISH DAVIS-BACON PENSION PLAN AND TRUST
Total Available Funds: 24
| Investment Description |
|---|
| Empower State Street American Fund Hybrid 2045 Trust Fund |
| Empower State Street American Fund Hybrid 2050 Trust Fund |
| Empower State Street American Fund Hybrid 2055 Trust Fund |
| Empower State Street American Fund Hybrid 2065 Trust Fund |
| Empower State Street American Fund Hybrid Income Trust Fund |
| Empower State Street American Fund Hybrid 2025 Trust Fund |
| Empower State Street American Fund Hybrid 2035 Trust Fund |
| Empower Blackrock EAFE Equity |
| Empower Blackrock Russell 2000 |
| Empower Lord Abbet Small Cp Growth Trust II Fund |
| Empower Blackrock Mid Cap Equity |
| Empower Mid Cap Growth Fund |
| Empower Blackrock U.S. Debt |
| Empower Blackrock Equity |
| Empower Large Cap Value Fund |
| Empower Putnam Large Cap Growth Fund |
| Empower Core Bond Fund |
| Empower WTRISC CIT III for MetLife GAC |
| Empower Empower International Value Fund |
| Empower T. Rowe Price Emerging Markets Stock |
| Empower Wilmington Trust MFS Mid Cap Value Fund |
| Empower DFA Inflation Protected Securities Fund |
| Empower AB Global Bond Fund |
| Empower PGIM High-Yield Fund |
Investment model portfolios
We provide two types of investment model portfolios for IRISH DAVIS-BACON PENSION 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 IRISH DAVIS-BACON PENSION PLAN AND TRUST