Investment options of IPC RETIREMENT READINESS PLAN
Total Available Funds: 22
| Investment Description |
|---|
| American Funds 2010 Target Date Retirement R6 2 ,415 |
| American Funds 2025 Target Date Retirement R6 7 ,075 |
| American Funds 2030 Target Date Retirement R6 5 7,323 |
| American Funds 2035 Target Date Retirement R6 2 6,440 |
| American Funds 2040 Target Date Retirement R6 1 6,211 |
| American Funds 2045 Target Date Retirement R6 1 6,613 |
| American Funds 2050 Target Date Retirement R6 1 4,673 |
| American Funds 2055 Target Date Retirement R6 1 2,877 |
| American Funds 2060 Target Date Retirement R6 1 2,426 |
| American Funds 2065 Target Date Retirement R6 3 ,614 |
| BlackRock Equity Dividend Fund K Shares 1 4,865 |
| Fidelity 500 Index Fund 3 ,387 |
| Fidelity Global ex U.S. Index Fund 3 6,638 |
| Fidelity Mid Cap Index Fund 4 ,587 |
| Fidelity Small Cap Index Fund 1 1,434 |
| Fidelity Value Strategies Fund K 9 51 |
| Fidelity US Bond Index 7 04 |
| Hartford Strategic Income R6 4 81 |
| MFS Mid Cap Growth R6 1 0,680 |
| MFS International Growth R6 1 ,464 |
| Putnam Small Cap Growth R 3 ,650 |
| William Blair Large Cap Growth R6 2 3,004 |
Investment model portfolios
We provide two types of investment model portfolios for IPC RETIREMENT READINESS 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 RETIREMENT READINESS PLAN