Investment options of ALBOURNE AMERICA LLC 401(K) PROFIT SHARING PLAN & TRUST
Total Available Funds: 44
| Investment Description |
|---|
| ALLIANCE BERNSTEIN SUSTAINABLE GLOBAL THEMATIC FUND CLASS I |
| AMERICAN FUNDS FUNDAMENTAL INVESTORS CLASS R-6 |
| AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-6 |
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5 |
| BNY MELLON NATURAL RESOURCES FUND CLASS A |
| DODGE & COX STOCK FUND |
| DODGE & COX INTERNATIONAL STOCK FUND |
| DODGE & COX INCOME FUND |
| FIDELITY LONG-TERM TRS BD INDEX |
| GOLDMAN SACHS SMALL CAP VALUE INSIGHTS FUN CLASS R6 |
| INVESCO DEVELOPING MARKETS FUND CLASS Y |
| MARISCO GROWTH FUND |
| MFS MID CAP VALUE FUND CLASS R6 |
| PIMCO EMERGING MARKETS LOCAL CURRENCY AND BOND FUND CLASS I-2 |
| PIMCO DIVERSIFIED INCOME FUND CLASS I-2 |
| PROSPECTOR OPPORTUNITY FUND |
| PROSPECTOR CAPITAL APPRECIATION FUND |
| ROYCE PREMIER FUND INVESTMENT CLASS |
| ROYCE PENNSYLVANIA MUTUAL FUND INVESTMENT CLASS |
| VANGUARD REAL ESTATE INDEX FUND ADMIRAL SHARES |
| VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL SHARES |
| VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES |
| VANGUARD TARGET RETIREMENT INCOME FUND |
| VANGUARD 500 INDEX FUND ADMIRAL SHARES |
| VANGUARD TOTAL MARKET INDEX FUND ADMIRAL SHARES |
| VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND ADMIRAL SHARES |
| VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ADMIRAL SHARES |
| VANGUARD SHORT-TERM BOND INDEX FUND ADMIRAL SHARES |
| VANGUARD SHORT-TERM INVESTMENT-GRADE FUND INVESTOR SHARES |
| VANGUARD LONG-TERM TREASURY FUND INVESTOR SHARES |
| VANGUARD INFLATION-PROTECTED SECURITIES FUND ADMIRAL SHARES |
| VANGUARD HIGH-YIELD CORPORATE FUND ADMIRAL SHARES |
| VANGUARD SHORT-TERM INVESTMENT-GRADE FUND ADMIRAL SHARES |
| VANGUARD BALANCED INDEX FUND ADMIRAL SHARES |
| VANGUARD TARGET RETIREMENT 2020 FUND INVESTOR SHARES |
| VANGUARD TARGET RETIREMENT 2025 FUND INVESTOR SHARES |
| VANGUARD TARGET RETIREMENT 2030 FUND INVESTOR SHARES |
| VANGUARD TARGET RETIREMENT 2035 FUND INVESTOR SHARES |
| VANGUARD TARGET RETIREMENT 2040 FUND INVESTOR SHARES |
| VANGUARD TARGET RETIREMENT 2045 FUND INVESTOR SHARES |
| VANGUARD TARGET RETIREMENT 2050 FUND INVESTOR SHARES |
| VANGUARD TARGET RETIREMENT 2055 FUND INVESTOR SHARES |
| VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES |
| VANGUARD TARGET RETIREMENT 2065 FUND INVESTOR SHARES |
Investment model portfolios
We provide two types of investment model portfolios for ALBOURNE AMERICA LLC 401(K) PROFIT SHARING PLAN & 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 ALBOURNE AMERICA LLC 401(K) PROFIT SHARING PLAN & TRUST