The Fund is a collective investment trust maintained and managed by BlackRock Institutional Trust Company, N.A. ("BTC"). The Fund shall be invested and.
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Read this page for information about that. Now, if your company stock plan allows you to buy shares at a discount, then you should still participate. It just means you should sell the shares immediately after they vest, so you can realize the benefit of the discount without taking on investment risk by holding the shares longer than necessary. Also, I wouldn't count your unvested shares as part of your overall asset allocation. Assuming you have read and understood the information linked above, here's is how you can implement a plan based on that.
First, figure out your overall asset allocation. You're 28, so this results in:.
Adjust that and any of the following numbers as necessary if that is not correct. To implement the asset allocation above in a tax-efficient manner, first place bonds in a tax-advantaged account. I will use your k plan:. The rest of your accounts IRA and taxable accounts should be allocated to domestic stocks as well.
This is a tax-efficient implementation of a basic three-fund portfolio of index funds. You'll probably find it beneficial to make a spreadsheet. Do not make any changes based on short-term market swings, because market timing doesn't work. Just keep saving and investing according to your asset allocation regardless of market performance.
Future you won't remember or care if the market goes down in any particular year, because future you is wealthy enough to fund a comfortable retirement. Let me digest this information. The individual stocks I hold are from employee purchase plans and for fun, not actual investment. Please post all your available options in your k plan, including full fund names, ticker symbols, and most importantly expense ratios. In exchange, when the market goes down, your entire portfolio won't decrease by the same amount.
As for your allocation, you should be invested in a total international index fund instead of solely emerging markets, as the latter can be extremely volatile. You're also overweighted on small capitalization stocks. A more appropriate allocation would follow something more like a Three-Fund Portfolio that includes a total stock market index fund or an appropriate ratio of a large cap and a small cap fund , a total international stock market fund which should include emerging markets , and an aggregate bond index fund.
I replied to pentium4borg above with this information. It's not worth freaking out over. I'm apparently terrible at finding the right places to allocate my funds. Is it wrong to invest in this large cap, small cap, emerging market? This was advice I was given. If you want, split it between large, mid, and small. Use of this site constitutes acceptance of our User Agreement and Privacy Policy.
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Start a Discussion in PF. In managing the Fund, BFA may draw upon the research and expertise of its asset management affiliates with respect to certain portfolio securities. In seeking to achieve the Fund's investment objective, BFA uses teams of portfolio managers, investment strategists and other investment specialists. For its investment advisory services to the Fund, BFA will be paid a management fee from the Fund based on a percentage of the Fund's average daily net assets, at the annual rate of 0. BFA has contractually agreed to waive a portion of its management fees in an amount equal to the Acquired Fund Fees and Expenses, if any, attributable to the Fund's investments in other series of the Trust and iShares, Inc.
Any such voluntary waiver or reimbursement may be eliminated by BFA at any time. It is an indirect wholly-owned subsidiary of BlackRock, Inc. BFA and its affiliates trade and invest for their own accounts in the actual securities and types of securities in which the Fund may also invest, which may affect the price of such securities. Table of Contents Portfolio Managers. Each Portfolio Manager is responsible for various functions related to portfolio management, including, but not limited to, investing cash inflows, coordinating with members of his or her portfolio management team to focus on certain asset classes, implementing investment strategy, researching and reviewing investment strategy and overseeing members of his or her portfolio management team that have more limited responsibilities.
Diane Hsiung has been employed by BFA as a senior portfolio manager since Prior to that, Ms. Hsiung has been a Portfolio Manager of the Fund since inception. Jennifer Hsui has been employed by BFA as a senior portfolio manager since Hsui was a portfolio manager from to for BGFA. Hsui has been a Portfolio Manager of the Fund since inception.
Alan Mason has been employed by BFA as a portfolio manager since Mason has been a Portfolio Manager of the Fund since inception. Greg Savage has been employed by BFA as a senior portfolio manager since Prior to that, Mr. Savage was a portfolio manager from to for BGFA. Savage has been a Portfolio Manager of the Fund since inception. The Fund's SAI provides additional information about the Portfolio Managers' compensation, other accounts managed by the Portfolio Managers and the Portfolio Managers' ownership if any of shares in the Fund.
Administrator, Custodian and Transfer Agent. Conflicts of Interest. BFA and the other Affiliates provide investment management services to other funds and discretionary managed accounts that may follow investment programs similar to that of the Fund. BFA and the other Affiliates are involved worldwide with a broad spectrum of financial services and asset management activities and may engage in the ordinary course of business in activities in which their interests or the interests of their clients may conflict with those of the Fund.
BFA or one or more of the other Affiliates acts, or may act, as an investor, investment banker, research provider, investment manager, commodity pool operator, commodity trading advisor, financier, underwriter, adviser, market maker, trader, prime broker, lender, agent or principal, and have other direct and indirect interests in securities, currencies, commodities, derivatives and other instruments in which the Fund may directly or indirectly invest.
Thus, it is likely that the Fund will have multiple business relationships with and will invest in, engage in transactions with, make voting decisions with respect Table of Contents to, or obtain services from, entities for which BFA or an Affiliate performs or seeks to perform investment banking or other services.
Performance
Specifically, the Fund may invest in securities of, or engage in other transactions with, companies with which an Affiliate has developed or is trying to develop investment banking relationships or in which an Affiliate has significant debt or equity investments or other interests. The Fund also may invest in securities of, or engage in other transactions with, companies for which an Affiliate provides or may in the future provide research coverage.
An Affiliate may have business relationships with, and purchase, distribute or sell services or products from or to, distributors, consultants or others who recommend the Fund or who engage in transactions with or for the Fund, and may receive compensation for such services. The Fund may also make brokerage and other payments to Affiliates in connection with the Fund's portfolio investment transactions. The trading activities of BFA and these Affiliates are carried out without reference to positions held directly or indirectly by the Fund and may result in BFA or an Affiliate having positions in certain securities that are senior or junior to, or having interests different from or adverse to, the securities that are owned by the Fund.
No Affiliate is under any obligation to share any investment opportunity, idea or strategy with the Fund. As a result, an Affiliate may compete with the Fund for appropriate investment opportunities. The results of the Fund's investment activities, therefore, may differ from those of an Affiliate and of other accounts managed by an Affiliate, and it is possible that the Fund could sustain losses during periods in which one or more Affiliates and other accounts achieve profits on their trading for proprietary or other accounts. The opposite result is also possible.
Furthermore, transactions undertaken by Affiliate-advised clients may adversely impact the Fund. Transactions by one or more Affiliate-advised clients or by BFA may have the effect of diluting or otherwise disadvantaging the values, prices or investment strategies of the Fund. Under a securities lending program approved by the Board, the Fund has retained an Affiliate of BFA to serve as the securities lending agent for the Fund to the extent that the Fund participates in the securities lending program.
For these services, the lending agent will retain a share of the securities lending revenues. BFA or an Affiliate will also receive compensation for managing the reinvestment of cash collateral. In addition, one or more Affiliates may be among the entities to which the Fund may lend its portfolio securities under the securities lending program. Table of Contents The activities of BFA or the Affiliates may give rise to other conflicts of interest that could disadvantage the Fund and its shareholders.
BFA has adopted policies and procedures designed to address these potential conflicts of interest. See the Fund's SAI for further information.
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Shareholder Information Additional shareholder information, including how to buy and sell shares of the Fund, is available free of charge by calling toll-free: iShares or visiting our website at www. Buying and Selling Shares. Shares of the Fund may be acquired or redeemed directly from the Fund only in Creation Units or multiples thereof, as discussed in the Creations and Redemptions section of this Prospectus.
Only an Authorized Participant as defined in the Creations and Redemptions section below may engage in creation or redemption transactions directly with the Fund. Once created, shares of the Fund generally trade in the secondary market in amounts less than a Creation Unit. Shares of the Fund are listed on a national securities exchange for trading during the trading day.
Securities
Shares can be bought and sold throughout the trading day like shares of other publicly traded companies. The Trust does not impose any minimum investment for shares of the Fund purchased on an exchange or otherwise in the secondary market.
When buying or selling shares of the Fund through a broker, you may incur a brokerage commission and other charges. The commission is frequently a fixed amount and may be a significant proportional cost for investors seeking to buy or sell small amounts of shares. The Fund's spread may also be impacted by the liquidity of the underlying securities held by the Fund, particularly for newly launched or smaller funds or in instances of significant volatility of the underlying securities.
The Board has not adopted a policy of monitoring for other frequent trading activity because shares of the Fund are listed for trading on a national securities exchange. Accordingly, Investing Funds must adhere to the limits set forth in Section 12 d 1 of the Act when investing in the Fund. Book Entry. Shares of the Fund are held in book-entry form, which means that no stock certificates are issued.
Investors owning shares of the Fund are beneficial owners as shown on the records of DTC or its participants.
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DTC serves as the securities depository for shares of the Fund. DTC participants include securities brokers and dealers, banks, trust companies, clearing corporations and other institutions that directly or indirectly maintain a custodial relationship with DTC. As a beneficial owner of shares, you are not entitled to receive physical delivery of stock certificates or to have shares registered in your name, and you are not considered a registered owner of shares.
Therefore, to exercise any right as an owner of shares, you must rely upon the procedures of DTC and its participants. Share Prices. The IOPV does not necessarily reflect the precise composition of the current portfolio of securities or other assets held by the Fund at a particular point in time or the best possible valuation of the current portfolio.
The quotations of certain Fund holdings may not be updated during U. The Fund is not involved in, or responsible for, the Table of Contents calculation or dissemination of the IOPV and makes no representation or warranty as to its accuracy. Determination of Net Asset Value. The value of the securities and other assets and liabilities held by the Fund are determined pursuant to valuation policies and procedures approved by the Board.
Equity investments and other instruments for which market quotations are readily available, as well as investments in an underlying fund, if any, are valued at market value, which is generally determined using the last reported official closing price or, if a reported closing price is not available, the last traded price on the exchange or market on which the security is primarily traded at the time of valuation.
Generally, trading in non-U. The values of such securities used in computing the NAV of the Fund are determined as of such times. Fair value determinations are made by BFA in accordance with policies and procedures approved by the Board.