Investment options of BERKSHIRE GROUP 401(K) PLAN
Total Available Funds: 37
| Investment Description |
|---|
| FIDELITY BROKERAGE LINK ACCOUNTS |
| ALLSPRING SPECIAL MID CAP VALUE FUND |
| AMERICAN BEACON SMALL CAP VALUE CLASS R5 |
| AMERICAN CENTURY INFLATION ADJUSTED BOND R6 |
| BLACKROCK HIGH YIELD BOND PORTFOLIO |
| BLACKROCK INTL FUND OF BLACKROCK SERIES |
| CALVERT US LARGE CAP CORE RESPONSIBLE I |
| COHEN & STEERS REAL ESTATE SECURITIES I |
| COLUMBIA SELECT LARGE CAP VALUE FUND I2 |
| FIDELITY 500 INDEX |
| FIDELITY CONTRAFUND |
| FIDELITY FREEDOM INCOME K |
| FIDELITY FREEDOM INCOME 2010 K |
| FIDELITY FREEDOM INCOME 2015 K |
| FIDELITY FREEDOM INCOME 2020 K |
| FIDELITY FREEDOM INCOME 2025 K |
| FIDELITY FREEDOM INCOME 2030 K |
| FIDELITY FREEDOM INCOME 2035 K |
| FIDELITY FREEDOM INCOME 2040 K |
| FIDELITY FREEDOM INCOME 2045 K |
| FIDELITY FREEDOM INCOME 2050 K |
| FIDELITY FREEDOM INCOME 2055 K |
| FIDELITY FREEDOM INCOME 2060 K |
| FIDELITY FREEDOM INCOME 2065 K |
| FIDELITY GROWTH COMPANY FUND |
| FIDELITY INTERNATIONAL INDEX |
| FIDELITY PURITAN FUND |
| FIDELITY RETIREMENT GVT MONEY MARKET PORTFOLIO |
| FIDELITY TOTAL BOND FUND |
| HARTFORD EQUITY INCOME R5 |
| JANUS HENDERSON ENTERPRISE T |
| LOOMIS SAYLES GLOBAL BOND INSTL |
| LOOMIS SAYLES SMALL CAP GROWTH INSTL |
| T. ROWE PRICE DIVIDEND GROWTH ADV |
| VANGUARD MID CAP INDEX ADM |
| VANGUARD SMALL CAP INDEX FUND ADM |
| VANGUARD TOTAL BOND MARKET INDEX FUND ADM |
Investment model portfolios
We provide two types of investment model portfolios for BERKSHIRE GROUP 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 BERKSHIRE GROUP 401(K) PLAN