Investment options of FPS 401(K) PLAN
Total Available Funds: 41
| Investment Description |
|---|
| Principal Global Investors Trust Co Principal Lifetime Hybrid 2015 CIT $ – |
| Principal Global Investors Trust Co Principal Lifetime Hybrid 2020 CIT – |
| Principal Global Investors Trust Co Principal Lifetime Hybrid 2025 CIT – |
| Principal Global Investors Trust Co Principal Lifetime Hybrid 2030 CIT – |
| Principal Global Investors Trust Co Principal Lifetime Hybrid 2035 CIT – |
| Principal Global Investors Trust Co Principal Lifetime Hybrid 2040 CIT – |
| Principal Global Investors Trust Co Principal Lifetime Hybrid 2045 CIT – |
| Principal Global Investors Trust Co Principal Lifetime Hybrid 2050 CIT – |
| Principal Global Investors Trust Co Principal Lifetime Hybrid 2055 CIT – |
| Principal Global Investors Trust Co Principal Lifetime Hybrid 2060 CIT – |
| Principal Global Investors Trust Co Principal Lifetime Hybrid 2065 CIT – |
| Principal Global Investors Trust Co Principal Life Hybrid Inc CIT Z – |
| The Principal Principal U.S. Property Sep Acct – |
| Fidelity Investments Fidelity Large Cap Growth Index Fund – |
| Fidelity Investments Fidelity Emerging Market Index Fund – |
| Fidelity Investments Fidelity International Index Fund – |
| Fidelity Investments Fidelity Mid Cap Growth Index Fund – |
| Fidelity Investments Fidelity Mid Cap Value Index – |
| Fidelity Investments Fidelity Mid Cap Index Fund – |
| Fidelity Investments Fidelity Small Cap Index Fund – |
| Fidelity Investments Fidelity Small Cap Growth Index Fund – |
| Fidelity Investments Fidelity Small Cap Value Index Fund – |
| Fidelity Investments Fidelity US Bond Index Fund – |
| Fidelity Investments Fidelity 500 Index Fund – |
| The Principal Fixed Income Guaranteed Option (GIC) – |
| Vanguard Group Vanguard Lifestrategy Moderate Growth Fund – |
| Vanguard Group Vanguard Lifestrategy Income Inv Fund – |
| Vanguard Group Vanguard Explorer Admiral Fund – |
| Vanguard Group Vanguard Value Index Admiral Fund – |
| Vanguard Group Vanguard Hi-Yield Corp Admiral Fund – |
| Vanguard Group Vanguard International Growth Admiral Fund – |
| Vanguard Group Vanguard Mul-Sec Income Bond Adminral Fund – |
| Vanguard Group Vanguard Target Retirement 2030 Fund – |
| Vanguard Group Vanguard Target Retirement 2055 Fund – |
| Vanguard Group Vanguard Target Retirement 2065 Fund – |
| American Funds US Govt Securities Fund – |
| Vanguard Group Vanguard Ftse A-Wd Ex-US Sc Idx – |
| Vanguard Group Vanguard Lifestrategy Growth Inv Fund – |
| Vanguard Group Vanguard Target Retirement 2070 Fund – |
| 4/12/2024, 5/24/2024, 6/21/2024 $ 1 ,491 $ – $ – $ – |
| $ 1,491 $ – $ – $ – |
Investment model portfolios
We provide two types of investment model portfolios for FPS 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 FPS 401(K) PLAN