Investment options of P & K 401(K) PLAN
Total Available Funds: 28
| Investment Description |
|---|
| Voya Gov Money Mkt Fnd A Pooled Separate Accounts |
| Vanguard Mid-Cap Index Fund Adm Pooled Separate Accounts |
| Vanguard Small-Cap Index Fund Adm Pooled Separate Accounts |
| Vanguard 500 Index Fund Adm Pooled Separate Accounts |
| American Funds Wash Mutual Inv R6 Pooled Separate Accounts |
| JPMorgan Core Plus Bond Fund R6 Pooled Separate Accounts |
| Voya Index Solution 2035 Portfolio Z Pooled Separate Accounts |
| Voya Index Solution 2040 Portfolio Z Pooled Separate Accounts |
| Voya Index Solution 2045 Portfolio Z Pooled Separate Accounts |
| Voya Index Solution 2050 Portfolio Z Pooled Separate Accounts |
| Voya Index Solution 2055 Portfolio Z Pooled Separate Accounts |
| Voya Index Solution 2060 Portfolio Z Pooled Separate Accounts |
| Voya Index Solution Income Port Z Pooled Separate Accounts |
| JPMorgan Short Duration Bond Fd R6 Pooled Separate Accounts |
| AB Large Cap Grw Fnd Z Pooled Separate Accounts |
| Amer Cent Mid Cap Value Fund R6 Pooled Separate Accounts |
| Voya Index Solution 2025 Portfolio Z Pooled Separate Accounts |
| Voya Index Solution 2030 Portfolio Z Pooled Separate Accounts |
| American Funds AM Balanced R6 Pooled Separate Accounts |
| MFS Mid Cap Growth Fund R6 Pooled Separate Accounts |
| Undiscovered Mngrs Bhvrl Val Fd R6 Pooled Separate Accounts |
| Janus Hndrsn Venture Fund N Pooled Separate Accounts |
| TRowePrc International Disc F Pooled Separate Accounts |
| MFS Intl Diversification Fnd Pooled Separate Accounts |
| Fidelity Adv Strategic Income Fun Pooled Separate Accounts |
| Voya Index Solution 2065 Portfolio Z Pooled Separate Accounts |
| GQG Prtnrs Emrg Mkt Eqty Fd R6 Pooled Separate Accounts |
| Voya Fixed Account Guaranteed Interest Account |
Investment model portfolios
We provide two types of investment model portfolios for P & K 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 P & K 401(K) PLAN