Investment options of BAKERRIPLEY 403(B) PLAN
Total Available Funds: 42
| Investment Option List |
|---|
| Charles Schwab Schwab Target 2015 (SWGRX) |
| Charles Schwab Schwab Target 2020 (SWCRX) |
| Charles Schwab Schwab Target 2025 (SWHRX) |
| Charles Schwab Schwab Target 2030 (SWDRX) |
| Charles Schwab Schwab Target 2035 (SWIRX) |
| Charles Schwab Schwab Target 2040 (SWERX) |
| Charles Schwab Schwab Target 2045 (SWMRX) |
| Charles Schwab Schwab Target 2050 (SWNRX) |
| Charles Schwab Schwab Target 2055 (SWORX) |
| Charles Schwab Schwab Target 2060 (SWPRX) |
| Charles Schwab Schwab Target 2065 (SWQRX) |
| Fidelity 500 Index Fund Institutional Premium (FUSVX) |
| Fidelity Blue Chip Growth Fund Class K6 (FBGRX) |
| Fidelity Contrafund (FCNTX) |
| Fidelity International (FDIVX) |
| JPMorgan Large Cap Value Class R3 (JTVAX) |
| JPMorgan Small Cap Growth Class R6 (JISGX) |
| MFS Mid Cap Value Fund Class R3 (MCVIX) |
| Transamerica Guaranteed Investment Option |
| Vanguard Mid-Cap Index Fund Admiral Shares (VIMAX) |
| Vanguard Mid-Cap Growth Index Fund Admiral Shares (VMGMX) |
| Vanguard Small Cap Index Fund Admiral Shares (VSMAX) |
| Vanguard Small Cap Value Index Fund Admiral Shares (VSIAX) |
| Vanguard Value Index Admiral Shares (VTRIX) |
| PIMCO Moderate Duration Institutional Class (PMOPX) |
| 10.50%, with varying maturity dates) |
| FIDELITY CONTRAFUND 1/1/2024 12/31/2024 (FCNTX) |
| JP MORGAN JPMORGAN LARGE CAP VALUE R3 2/1/2024 12/31/2024 |
| MFS MID CAP VALUE R3 2/1/2024 12/31/2024 (MCVIX) |
| VIRTUS CEREDEX LARGE CAP VALUE EQUITY I 1/1/2024 2/1/2024 (STVTX) |
| Transamerica Life Ins Co Transamerica Guaranteed Inv Option |
| Fidelity 500 Index (FUSEX) |
| Fidelity Blue Chip Gr K6 (FBGRX) |
| Fidelity Intl Index (FAPCX) |
| Schwab Schwab Target 2025 Index (SWHRX) |
| Schwab Schwab Target 2030 Index (SWDRX) |
| Schwab Schwab Target 2035 Index (SWIRX) |
| Schwab Schwab Target 2040 Index (SWERX) |
| Schwab Schwab Target 2045 Index (SWMRX) |
| Schwab Schwab Target 2050 Index (SWNRX) |
| Schwab Schwab Target 2055 Index (SWORX) |
| Vanguard Small Cap Val Index Adm (VISVX) |
Investment model portfolios
We provide two types of investment model portfolios for BAKERRIPLEY 403(B) 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 BAKERRIPLEY 403(B) PLAN