POPULAR, INC. PUERTO RICO SAVINGS AND INVESTMENT PLAN Investment Model Portfolios

Investment options of POPULAR, INC. PUERTO RICO SAVINGS AND INVESTMENT PLAN

Total Available Funds: 15

Asset Class

Ticker

Description

Others
ROOT	CASH	Federated Government Obligations Fund
Target Date 2026-2030	PTCAX	Principal Invs Fund Life 2030 Cl A
Target Date 2036-2040	PTDAX	Principal Invs Fund Life 2040 Cl A
Target Date 2050+	PPLIX	Principal Investors Lifetime 2050 Fund
Target Date 2000-2010	PENAX	Principal Invs Fund Life 2010 Cl A
Retirement Income	PALTX	Principal Lifetime Str In-A-Fund
Target Date 2016-2020	PTBAX	Principal Invs Fund Life 2020 Cl A

US EQUITY
LARGE GROWTH	RAFFX	American Amcap Fund
LARGE VALUE	EILVX	Eaton Vance Large Cap Value Fund
MID-CAP BLEND	RPFIX	Royce Premier Fund
LARGE VALUE	ACSTX	Van Kampen Comstock Fund A
LARGE BLEND	VFINX	Vanguard 500 Index Fund
MID-CAP BLEND	VIMAX	Vanguard Mid-Cap Index Fund

INTERNATIONAL EQUITY
Foreign Large Blend	MRSAX	MFS Research International A Equity Fund

FIXED INCOME
Intermediate-Term Bond	PTTRX	Pimco Total Return Fund

Investment model portfolios

We provide two types of investment model portfolios for POPULAR, INC. PUERTO RICO SAVINGS AND INVESTMENT 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.

Customize a model portfolio now

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