Investment options of IPC 401K PLAN
Total Available Funds: 37
| Investment Description |
|---|
| Blackrock BLKRK High Yld Bd K |
| Great Grey Trust Co. Flexpath Agr Ret R1 |
| Great Grey Trust Co. Flexpath Agr 2035 I1 |
| Great Grey Trust Co. Flexpath Con 2035 I1 |
| Great Grey Trust Co. Flexpath Agr 2045 I1 |
| Great Grey Trust Co. Flexpath Con 2045 I1 |
| Great Grey Trust Co. Flexpath Agr 2055 I1 |
| Great Grey Trust Co. Flexpath Con 2055 I1 |
| Great Grey Trust Co. Flexpath Agr 2065 I1 |
| Great Grey Trust Co. Flexpath Mod 2065 I1 |
| Fidelity Investments FID Govt Mmkt |
| Fidelity Investments FID Growth Co K6 |
| Fidelity Investments FID Low Priced Stk K6 |
| Fidelity Investments FID US Bond Inex |
| Fidelity Investments FID 500 Index |
| Fidelity Investments FID Mid Cap Index |
| Mass Financial Services MFS Core Equity R6 |
| Guggenheim Investments Gughm Tot Rtn Bd R6 |
| Putnam Investment Mgmt. Clearbridge Select Is |
| PIMCO Income Inst |
| Victory Capital Mgmt. Victory S SMCO Op R6 |
| Putnam Fiduciary Trust Putn Lg Cap Val R6 |
| Putnam Fiduciary Trust Putn Ret Adv 2025 X |
| Putnam Fiduciary Trust Putn Ret Adv 2035 X |
| Putnam Fiduciary Trust Putn Ret Adv 2045 X |
| Putnam Fiduciary Trust Putn Ret Adv 2055 X |
| Putnam Fiduciary Trust Putn Ret Adv 2065 X |
| Putnam Fiduciary Trust Putn Ret Adv Mat X |
| Vanguard Sm Cap Idx Adm |
| Vanguard Wellington Adm |
| Great Grey Trust Co. GG Metlife Stab Val |
| Columbia Mgmt. Col Sm Cap Grth |
| Mass Financial Services MFS Intl Equity R6 |
| Mass Financial Services MFS Intl Growth R6 |
| American Funds AF New World |
| Columbia Mgmt. Col S Tech and Info I3 |
| Janus Henderson Inv. J H GLB Life Sci N |
Investment model portfolios
We provide two types of investment model portfolios for IPC 401K 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 IPC 401K PLAN