Investment options of PAYROC WORLDACCESS, LLC 401(K) PLAN
Total Available Funds: 46
| Investment Option List |
|---|
| American Funds American Balanced Fund Class R-6 (GBLAX) |
| BlackRock Inflation Protected Bond Fund Class K (BPRIX) |
| Goldman Sachs GS GQG Partners International Opporunities Fund Instnl. (GSIHX) |
| Janus Henderson Triton Fund – Class N (JSMGX) |
| JPMorgan Large Cap Growth Fund Class R6 (JLGMX) |
| JPMorgan U.S. Value Fund Class R6 |
| Deleware Group Deleware Small Cap Value Fund (VISVX) |
| Fidelity International (FDIVX) |
| MFS International Diversification Fund Class R6 (MDIJX) |
| Vanguard Small-Cap Index Fund Admiral Shares (VSMAX) |
| PIMCO RealPath Blend 2025 Fund Institutional (PPZAX) |
| PIMCO RealPath Blend 2030 Fund Institutional (PBPAX) |
| PIMCO RealPath Blend 2035 Fund Institutional (PDGAX) |
| PIMCO RealPath Blend 2040 Fund Institutional (PVPAX) |
| PIMCO RealPath Blend 2045 Fund Institutional (PVQAX) |
| PIMCO RealPath Blend 2050 Fund Institutional (PPQAX) |
| PIMCO RealPath Blend Income Fund Institutional (PBRAX) |
| PIMCO Income Fund Institutional Class (PFIIX) |
| State Street Aggregate Bond Index Fund Class K (SSFEX) |
| Vanguard Mid-Cap Index Fund Admiral Shares (VIMAX) |
| Vanguard 500 Index Fund Admiral Shares (VFIAX) |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| PIM REALPATH BLEND 2040 INST (PVPAX) |
| AMERFUNDS AMER BALANCED – R6 |
| FID INTERNATIONAL INDEX (HIOFX) |
| PIM REALPATH BLEND 2050 INST (PPQAX) |
| PIMCO REALPATH BLEND INC INST (PBPAX) |
| MFS INTL DIVERSIFICATION R6 (BIIDX) |
| JPMORGAN LARGE CAP GROWTH R6 (SEEGX) |
| PIM REALPATH BLEND 2035 INST (PDGAX) |
| PIM REALPATH BLEND 2030 INST (PBPAX) |
| PIMCO INCOME FUND – INSTL (PRIFX) |
| VANGUARD 500 INDEX FUND – ADM (VFINX) |
| MACQUARIE SMALL CAP VALUE R6 (VISVX) |
| BLACKROCK INFL PROTECT BOND K (BIBBX) |
| VANGUARD SMALL CAP INDEX ADMRL (VISVX) |
| GS GQG PTNRS INTL OPP R6 |
| PIM RE REAL RETURN STRAT – INS |
| JANUS HENDERSON TRITON FUND N (JSMGX) |
| VANGUARD MID CAP INDEX – ADM (VIMSX) |
| PIM REALPATH BLEND 2045 INST (PVQAX) |
| STATE STREET AGGREGATE BD ID K (SSAFX) |
| JPMORGAN US VALUE R6 (JTVAX) |
| PIM REALPATH BLEND 2025 INST (PPZAX) |
| MET GG SV 25554 – L |
Investment model portfolios
We provide two types of investment model portfolios for PAYROC WORLDACCESS, LLC 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 PAYROC WORLDACCESS, LLC 401(K) PLAN