Investment options of SCHWAB INDUSTRIES, INC. 401(K) PROFIT SHARING PLAN
Total Available Funds: 38
| Investment Description |
|---|
| EM12015A1 |
| EM12025A1 |
| EM12035A1 |
| EM12045A1 |
| EM12055A1 |
| 1PBAXCP |
| 1PBAXMP |
| 1PBAXAP |
| 192AFEP |
| 1288MIM |
| 186OGA |
| 1313OIG |
| 1282BHS |
| 183IEI |
| 1191IS |
| 1144OM |
| 1475DE |
| 1347FP |
| 193MX6 |
| 1393NL |
| 1327CP |
| 1225FL |
| 1MGRXTM |
| 1284LVP |
| 1205AP |
| 195AFGF |
| 1L2TLCX |
| 194MX5 |
| 1117VC |
| 1368JU |
| 1LGRMAR |
| 1281RLC |
| 1BIMXBI |
| 1BMSXLC |
| 1BIMXUS |
| 1BIMPTR |
| 1SDBTDA |
| 1PORT |
Investment model portfolios
We provide two types of investment model portfolios for SCHWAB INDUSTRIES, 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 SCHWAB INDUSTRIES, INC. 401(K) PROFIT SHARING PLAN