Investment options of PBFS RETIREMENT PLAN
Total Available Funds: 44
| Investment Description |
|---|
| BlackRock Strategic Completion NL M |
| Mercer International Stock Index |
| Mercer Mercer Diversified Bond |
| Mercer Mercer International Stock |
| Mercer Mercer Small/Mid Cap Stock |
| Mercer S&P 500 Index |
| State Street Target Retirement 2020 |
| State Street Target Retirement 2025 |
| State Street Target Retirement 2030 |
| State Street Target Retirement 2035 |
| State Street Target Retirement 2040 |
| State Street Target Retirement 2045 |
| State Street Target Retirement 2050 |
| State Street Target Retirement 2055 |
| State Street Target Retirement 2060 |
| State Street Target Retirement 2065 |
| State Street Target Ret Income SL CL IV |
| Mercer US Bond Index |
| Mercer US Small/Mid Cap Stock Index |
| Vanguard Retirement Savings Trust |
| BlackRock Multi-Asset Income Portfolio |
| 1BKMIX 454,443.60 |
| 1BRSCNM 693,231.49 |
| 1SSTRIV 780,706.42 |
| 1SSTC20 4,225,658.61 |
| 1SSTC25 12,841,193.62 |
| 1SSTC30 23,622,792.70 |
| 1SSTC45 19,349,941.08 |
| 1SSTC50 16,032,395.94 |
| 1SSTC55 9,577,067.57 |
| 1SSTC60 6,917,701.55 |
| 1SSTC65 2,838,704.83 |
| 1SSTC35 23,135,570.58 |
| 1SSTC40 20,164,494.09 |
| 1MERINS 1,725,316.10 |
| 1MERSSE 1,520,491.00 |
| 1MERSMD 1,649,117.87 |
| 1MERSSR 2,234,457.59 |
| 1MERSS5 11,708,079.81 |
| 1MERDBD 762,428.30 |
| 1MERSSB 1,189,346.54 |
| 1IVSVB1 842,093.06 |
| 1VRSVIV 4,190,973.20 |
| FORFEITURES 89,476.94 |
Investment model portfolios
We provide two types of investment model portfolios for PBFS 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 PBFS RETIREMENT PLAN