Investment options of KNOWESIS RETIREMENT PLAN
Total Available Funds: 33
| Investment Description |
|---|
| Principal International Equity Index Separate Account-Z Registered investment company – |
| Principal Largecap S&P 500 Index Separate Account-Z Registered investment company – |
| Principal Largecap Value III Separate Account-Z Registered investment company – |
| Principal Lifetime 2015 Separate Account-Z Registered investment company – |
| Principal Lifetime 2020 Separate Account-Z Registered investment company – |
| Principal Lifetime 2025 Separate Account-Z Registered investment company – |
| Principal Lifetime 2030 Separate Account-Z Registered investment company – |
| Principal Lifetime 2035 Separate Account-Z Registered investment company – |
| Principal Lifetime 2040 Separate Account-Z Registered investment company – |
| Principal Lifetime 2045 Separate Account-Z Registered investment company – |
| Principal Lifetime 2050 Separate Account-Z Registered investment company – |
| Principal Lifetime 2055 Separate Account-Z Registered investment company – |
| Principal Lifetime 2060 Separate Account-Z Registered investment company – |
| Principal Lifetime 2065 Separate Account-Z Registered investment company – |
| Principal Lifetime Strategic Income Separate Account-Z Registered investment company – |
| Principal Liquid Assets Separate Account-Z Registered investment company – |
| Principal Midcap S&P 400 Index Separate Account-Z Registered investment company – |
| Principal Smallcap S&P 600 Index Separate Account-Z Registered investment company – |
| Principal Smallcap Separate Account-Z Registered investment company – |
| Principal U.S. Property Separate Account-Z Registered investment company – |
| AB Large Cap Growth Z Fund Registered investment company – |
| Allspring Special Mid Cap Value R6 Fund Registered investment company – |
| American Funds New World R6 Fund Registered investment company – |
| Carillon Eagle Mid Cap Growth R6 Fund Registered investment company – |
| Columbia Small Cap Growth I3 Fund Registered investment company – |
| Franklin Small Cap Growth R6 Fund Registered investment company – |
| JP Morgan Core Plus Bond R6 Fund Registered investment company – |
| MFS Research International R6 Fund Registered investment company – |
| PGIM High Yield R6 Fund Registered investment company – |
| PIMCO Income Institutional Fund Registered investment company – |
| Victory Pioneer International Equity R6 Fund Registered investment company – |
| Notes Receivable from Participants Maturity dates through April 30, |
| rates of interest 6.00-10.50% – |
Investment model portfolios
We provide two types of investment model portfolios for KNOWESIS RETIREMENT 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 KNOWESIS RETIREMENT PLAN