Investment options of IPC 401K PLAN
Total Available Funds: 34
| Investment Description |
|---|
| FIDELITY INVESTMENTS BROKERAGELINK - INVESTMENT COMPANIES |
| FIDELITY INVESTMENTS BROKERAGELINK - COMMON STOCK |
| FIDELITY INVESTMENTS BROKERAGELINK - CASH |
| OPPENHEIMERFUNDS OPPHMR INTL DIVSF I |
| COLUMBIA COLUMBIA DIV INC |
| WILMINGTON TRUST, N. A SMALL CAP GR II I1 |
| WILMINGTON TRUST, N. A FLEXPATH MOD 2065 I1 |
| LEGG MASON WA CORE PLS BOND II |
| WILMINGTON TRUST, N. A STABLE VALUE FUND I1 |
| WILMINGTON TRUST, N. A MID CAP GROWTH I1 |
| WILMINGTON TRUST, N. A SMALL CAP VAL II I1 |
| BLACKOCK BLKRK HIGH YLD BD K |
| WILMINGTON TRUST, N. A FLEXPATH MOD RET I1 |
| WILMINGTON TRUST, N. A FLEXPATH AGR 2025 I1 |
| WILMINGTON TRUST, N. A FLEXPATH MOD 2025 I1 |
| WILMINGTON TRUST, N. A FLEXPATH CON 2025 I1 |
| WILMINGTON TRUST, N. A FLEXPATH AGR 2035 I1 |
| WILMINGTON TRUST, N. A FLEXPATH MOD 2035 I1 |
| WILMINGTON TRUST, N. A FLEXPATH AGR 2045 I1 |
| WILMINGTON TRUST, N. A FLEXPATH MOD 2045 I1 |
| WILMINGTON TRUST, N. A FLEXPATH AGR 2055 I1 |
| WILMINGTON TRUST, N. A FLEXPATH MOD 2055 I1 |
| WILMINGTON TRUST, N. A FLEXPATH CON 2055 I1 |
| FIDELITY INVESTMENTS FID GOVT MMKT |
| FIDELITY INVESTMENTS FID GROWTH CO K |
| FIDELITY INVESTMENTS FID LOW PRICED STK K |
| FIDELITY INVESTMENTS FID US BOND INEX |
| FIDELITY INVESTMENTS FID 500 INDEX |
| FIDELITY INVESTMENTS FID MID CAP INDEX |
| FIDELITY INVESTMENTS FID SM CAP IDX |
| FIDELITY INVESTMENTS FID INTL INDEX |
| CALVERT RESEARCH & MGMT. CALV US LG CP CRI R6 |
| CALVERT RESEARCH & MGMT. CALVERT BOND I |
| CALVERT RESEARCH & MGMT. CALV INTL RSP IDX I |
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