Investment options of CAMBRO CONSTRUCTION, INC. 401(K) PROFIT SHARING PLAN
Total Available Funds: 26
| Investment Description |
|---|
| THE STANDARD STANDARD STABLE ASSET D |
| THE STANDARD VANGUARD TOTAL BOND MARKET INDEX ADM |
| THE STANDARD SCHWAB TOTAL STOCK MARKET INDEX |
| THE STANDARD FIDELITY INTERNATIONAL INDEX |
| THE STANDARD VANGUARD EMERGING MKTS STOCK IDX ADM |
| THE STANDARD VANGUARD INT TERM TREAS ADM |
| THE STANDARD BAIRD AGGREGATE BOND INST |
| THE STANDARD ALLSPRING SPECL SMCAP VAL R6 |
| CHARLES SCHWAB ADOBE INC |
| CHARLES SCHWAB AIRNBN INC |
| CHARLES SCHWAB ALPHABET INC |
| CHARLES SCHWAB ANSYS INC |
| CHARLES SCHWAB BIO-TECHNE CORP |
| CHARLES SCHWAB CME GROUP INC |
| CHARLES SCHWAB GARTNER INC |
| CHARLES SCHWAB IDEXX LABS INC |
| CHARLES SCHWAB INTUITIVE SURGICAL |
| CHARLES SCHWAB MASTERCARD INC |
| CHARLES SCHWAB MICROSOFT CORP |
| CHARLES SCHWAB ROPER TECHNOLOGIES |
| CHARLES SCHWAB SERVICE NOW INC |
| CHARLES SCHWAB SVB FINL GROUP |
| CHARLES SCHWAB TYLER TECHNOLOGIES |
| CHARLES SCHWAB VEEVA SYSTEMS INC |
| CHARLES SCHWAB VISA INC |
| CHARLES SCHWAB PROLOGIS INC |
Investment model portfolios
We provide two types of investment model portfolios for CAMBRO CONSTRUCTION, INC. 401(K) PROFIT SHARING 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 CAMBRO CONSTRUCTION, INC. 401(K) PROFIT SHARING PLAN