Investment options of WOLFF BROS. SUPPLY, INC. 401(K) PROFIT SHARING PLAN
Total Available Funds: 21
| Investment Description |
|---|
| SCHWAB BANK SAVINGS MONEY MARKET FUND |
| PCRA SELF-DIRECTED BROKERAGE ACCOUNT |
| DBC INVESCO DB COMM TRCK EXCHANGE-TRADED FUND |
| EFG ISH MSCI EAFE GROWT EXCHANGE-TRADED FUND |
| GOLD SPDR GOLD SHARES EXCHANGE-TRADED FUND |
| IDV ISH INTL SEL DIV EXCHANGE-TRADED FUND |
| JNK SPDR BARCLAY HIYLDBD EXCHANGE-TRADED FUND |
| PCY INVESCO EMERMKTSO VDB EXCHANGE-TRADED FUND |
| RWX SPDR DJ INTL REALEST EXCHANGE-TRADED FUND |
| SCHA SCH US SMALL CAP EXCHANGE-TRADED FUND |
| SCHF SCH INTL EQ EXCHANGE-TRADED FUND |
| SCHG SCH US LG CAP GRTH EXCHANGE-TRADED FUND |
| SCHM SCH US MID CAP EXCHANGE-TRADED FUND |
| SCHP SCH US TIPS EXCHANGE-TRADED FUND |
| SCHR SCH INT TERM USTRSY EXCHANGE-TRADED FUND |
| SCHV SCH US LG CAP VAL EXCHANGE-TRADED FUND |
| SCHX SCH US LARGE CAP EXCHANGE-TRADED FUND |
| SCHZ SCH US AGGREGATE BD EXCHANGE-TRADED FUND |
| SCZ ISH MSCI EAFE SMCAP EXCHANGE-TRADED FUND |
| SHY ISH 1-3 YR TREAS BD EXCHANGE-TRADED FUND |
| SLV ISH SILVER TRUST EXCHANGE-TR |
Investment model portfolios
We provide two types of investment model portfolios for WOLFF BROS. SUPPLY, 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 WOLFF BROS. SUPPLY, INC. 401(K) PROFIT SHARING PLAN