Investment options of IMPACTLIFE 401(K) PLAN
Total Available Funds: 24
| Investment Option List |
|---|
| SEI Trust Company Galliard Stable Return PN Fund |
| Principal Global Investors Trust Co* Principal Lifetime Hybrid Income CIT U (PHJFX) |
| Principal Global Investors Trust Co* Principal Lifetime Hybrid 2015 CIT U (PHJMX) |
| Principal Global Investors Trust Co* Principal Lifetime Hybrid 2020 CIT U (PHJTX) |
| Principal Global Investors Trust Co* Principal Lifetime Hybrid 2025 CIT U (PHJQX) |
| Principal Global Investors Trust Co* Principal Lifetime Hybrid 2030 CIT U (PHJNX) |
| Principal Global Investors Trust Co* Principal Lifetime Hybrid 2035 CIT U (PHJJX) |
| Principal Global Investors Trust Co* Principal Lifetime Hybrid 2040 CIT U (PHJEX) |
| Principal Global Investors Trust Co* Principal Lifetime Hybrid 2045 CIT U (PHJYX) |
| Principal Global Investors Trust Co* Principal Lifetime Hybrid 2050 CIT U (PHJUX) |
| Principal Global Investors Trust Co* Principal Lifetime Hybrid 2055 CIT U (PHJBX) |
| Principal Global Investors Trust Co* Principal Lifetime Hybrid 2060 CIT U (PHJGX) |
| Principal Global Investors Trust Co* Principal Lifetime Hybrid 2065 CIT U (PLTFX) |
| Principal Global Investors Trust Co* Principal Lifetime Hybrid 2070 CIT U (PLKJX) |
| American Funds EuroPacific Growth Fund (FEPUX) |
| PIMCO Investments, LLC PIMCO Commodity Real Return Strategy Fund (HACMX) |
| Putnam Large Cap Value Fund (PMVYX) |
| Vanguard Developed Mkt Index Fund ADM (VDMIX) |
| Vanguard Emerging Mkt Stock Index Fund ADM (VERSX) |
| Vanguard Mid Cap Index ADM (VIMSX) |
| Vanguard Small Cap Index Fund ADM (VISVX) |
| Vanguard 500 Index Fund ADM (VFINX) |
| Virtus KAR Small Cap Core Fund (PKSFX) |
| 8.75% to 9.50%, maturing 2025 to 2029) |
Investment model portfolios
We provide two types of investment model portfolios for IMPACTLIFE 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 IMPACTLIFE 401(K) PLAN