Investment options of GENERA PR SAVING PLAN
Total Available Funds: 31
| Investment Description |
|---|
| – Fidelity Spartan US Bond Index Fixed Income |
| – Fidelity L/C Val Idx-Ins Prm Fixed Income |
| 3.784% at December 31, |
| BPPR Bank Deposits Open Account |
| Notes receivable from participants Interest rate of 9.5% |
| BPPR Bank Deposits Open Account 4.903% at December 31, 2023 |
| Bppr Bank Deposit Open Account 27,167.050 SHARES |
| Fidelity Freedom Idx 2020 W 4,590.503 SHARES |
| Fidelity Freedom Idx 2025 W 20,679.920 SHARES |
| Fidelity Fr Indx 2060-Inv 22,300.075 SHARES |
| Fidelity Freedom Idx 2030 W 61,605.237 SHARES |
| Fidelity Freedom Idx 2035 W 109,333.904 SHARES |
| Fidelity Freedom Indx 2055-W 18,150.156 SHARES |
| Fidelity Freedom Idx 2050 W 29,063.278 SHARES |
| Fidelity Freedom Idx 2045 W 67,324.348 SHARES |
| Fidelity Freedom Idx 2040 W 77,299.750 SHARES |
| Fidelity Freedom Index 2065 6,417.994 SHARES |
| Spartan International Index Fund 230.935 SHARES |
| Fidelity Spartan 500 Index 1,756.806 SHARES |
| Fidelity Small Cap Index Instl Prem 336.573 SHARES |
| Fidelity Mid Cap Index Instl Prem 545.565 SHARES |
| Fidelity LC Gr Indx-Ins Prm 2,602.224 SHARES |
| New World Fund R-6 30.478 SHARES |
| ALLSPRING SPECIAL SMALL CAP VALUE 103.624 SHARES |
| AB SMALL CAP GROWTH PORTFOLIO 63.373 SHARES |
| AMERICAN CENTURY MID CAP VALUE 83.923 SHARES |
| MFS MID CAP GROWTH FUND R6 352.747 SHARES |
| FIDELITY SPARTAN US BOND 250.897 SHARES |
| FIDELITY LC VAL IDX-INS PRM 696.319 SHARES |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
Investment model portfolios
We provide two types of investment model portfolios for GENERA PR SAVING 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 GENERA PR SAVING PLAN