Investment options of MAR-BAL, INC. RETIREMENT SAVINGS PLAN
Total Available Funds: 29
| Investment Description |
|---|
| American Century Emerging Markets Registered Investment Companies |
| American Funds American Balanced Registered Investment Companies |
| DFA Real Estate Securities Registered Investment Companies |
| Fidelity 500 Index Registered Investment Companies |
| Fidelity Inflation Protected Bond Index Registered Investment Companies |
| Fidelity International Index Registered Investment Companies |
| Fidelity Mid Cap Index Registered Investment Companies |
| Fidelity Small Cap Index Registered Investment Companies |
| Fidelity US Bond Index Registered Investment Companies |
| PGIM High-Yield Registered Investment Companies |
| Pimco Int Bond (USD-Hedged) Inst Registered Investment Companies |
| Putnam Income Registered Investment Companies |
| First Eagle Small Cap Opportunity CIT Common Collective Trusts |
| International Growth Fund CL R Common Collective Trusts |
| Lord Abbett Small Cap Growth Trust II LH Common Collective Trusts |
| Mid Cap Growth Fund Fee Class R1 Common Collective Trusts |
| Mid Cap Value Fee Class R1 Common Collective Trusts |
| Putnam Large Cap Value Fund Class R1 Common Collective Trusts |
| Putnam Large Cap Value Trust Common Collective Trusts |
| Putnam Retirement Adv Maternity Fund Common Collective Trusts |
| Putnam Retirement Advantage Trst 2025 Common Collective Trusts |
| Putnam Retirement Advantage Trst 2030 Common Collective Trusts |
| Putnam Retirement Advantage Trst 2035 Common Collective Trusts |
| Putnam Retirement Advantage Trst 2040 Common Collective Trusts |
| Putnam Retirement Advantage Trst 2045 Common Collective Trusts |
| Putnam Retirement Advantage Trst 2050 Common Collective Trusts |
| Putnam Retirement Advantage Trst 2055 Common Collective Trusts |
| Putnam Retirement Advantage Trst 2060 Common Collective Trusts |
| Putnam Retirement Advantage Trst 2065 Common Collective Trusts |
Investment model portfolios
We provide two types of investment model portfolios for MAR-BAL, INC. RETIREMENT 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 MAR-BAL, INC. RETIREMENT SAVINGS PLAN