Investment options of FIVE POINTS BANK 401(K) PLAN
Total Available Funds: 46
| Investment Description |
|---|
| T. Rowe Price Retirement 2030 Collective Trust Fund |
| T. Rowe Price Retirement 2035 Collective Trust Fund |
| Putnam Large Cap Value Trust Collective Trust Fund |
| T. Rowe Price Retirement 2045 Collective Trust Fund |
| AB US Large Cap Growth Collective Trust Fund |
| T. Rowe Price Retirement 2040 Collective Trust Fund |
| T. Rowe Price Retirement 2050 Collective Trust Fund |
| T. Rowe Price Retirement 2025 Collective Trust Fund |
| T. Rowe Price Retirement 2055 Collective Trust Fund |
| Blackrock Midcap Growth Equity Collective Trust Fund |
| T. Rowe Price Retirement 2060 Collective Trust Fund |
| T. Rowe Price Retirement 2065 Collective Trust Fund |
| T. Rowe Price Retirement 2010 Collective Trust Fund |
| T. Rowe Price Retirement 2020 Collective Trust Fund |
| T. Rowe Price Retirement 2015 Collective Trust Fund |
| Notes Receivable from Participants 4.25% – 9.50% |
| 1TRP10H 153,714.54 |
| 1TRP15H 1,789.17 |
| 1TRP20H 102,021.95 |
| 1TRP25H 1,189,329.03 |
| 1TRP30H 4,535,926.08 |
| 1TRP35H 2,630,944.73 |
| 1TRP40H 1,476,301.97 |
| 1TRP45H 1,796,814.53 |
| 1TRP50H 1,367,500.96 |
| 1TRP55H 739,893.68 |
| 1TRP60H 478,011.41 |
| 1TRP65H 223,576.92 |
| 1RERGX 1,607,966.24 |
| 1FSPSX 224,050.62 |
| 1GIRPX 921,447.20 |
| 1VGSLX 355,270.26 |
| 1AASRX 484,897.23 |
| 1FSSNX 831,575.47 |
| 1JVTIX 343,891.93 |
| 1BRMCL1 587,213.50 |
| 1FSMDX 761,571.40 |
| 1JVMRX 740,610.75 |
| 1PLCVIA 1,588,335.39 |
| 1ABLCGL 1,251,797.42 |
| 1FXAIX 3,472,745.84 |
| 1FXNAX 47,046.06 |
| 1PIMIX 457,629.16 |
| 1PTRBF1 1,405,879.60 |
| 1VMFXX 1,974,838.43 |
| FORFEITURES 10,624.88 |
Investment model portfolios
We provide two types of investment model portfolios for FIVE POINTS BANK 401(K) 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 FIVE POINTS BANK 401(K) PLAN