Investment options of PCIA 401(K) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| AB STN GLB THMTC I 153 Shares N/A |
| BLKRK HLTH SCI OPP K 6,466 Shares N/A |
| COLUMBIA DIV INC A 17,111 Shares N/A |
| FID 500 INDEX 11,048 Shares N/A |
| FID EMERGING MKTS 4,110 Shares N/A |
| FID EXTD MKT IDX 3,807 Shares N/A |
| FID FREEDOM 2020 K6 1,353 Shares N/A |
| FID FREEDOM 2025 K6 8,046 Shares N/A |
| FID FREEDOM 2030 K6 41,527 Shares N/A |
| FID FREEDOM 2035 K6 135,760 Shares N/A |
| FID FREEDOM 2040 K6 160,609 Shares N/A |
| FID FREEDOM 2045 K6 109,379 Shares N/A |
| FID FREEDOM 2050 K6 53,982 Shares N/A |
| FID FREEDOM 2055 K6 44,204 Shares N/A |
| FID FREEDOM 2060 K6 8,529 Shares N/A |
| FID FREEDOM 2065 K6 147 Shares N/A |
| FID FREEDOM INC K6 824 Shares N/A |
| FID GROWTH CO K 79,370 Shares N/A |
| FID INTL CAP APPREC 11,983 Shares N/A |
| FID OVERSEAS 3,680 Shares N/A |
| FID PURITAN 9,541 Shares N/A |
| FID SEL SOFTWARE 49,233 Shares N/A |
| FID SMALL CAP VALUE 8,742 Shares N/A |
| FT BEHAV SM-CPEQ R6 998 Shares N/A |
| LOOMIS CORE PL BD Y 33,136 Shares N/A |
| MGL MD CP GRTH R6 11,091 Shares N/A |
| PGIM ST CORP BOND Z 7,282 Shares N/A |
| VANG MATERIAL IDX AD 82 Shares N/A |
| VICTORY S EST VAL R6 1,495 Shares N/A |
| FID GOVT MMKT 6 11,593 Shares N/A |
Investment model portfolios
We provide two types of investment model portfolios for PCIA 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 PCIA 401(K) PLAN