Investment options of PDI UNION 401(K) PLAN
Total Available Funds: 24
| Investment Option List |
|---|
| Vanguard Institutional Target Retire 2020 (VTWNX) |
| Vanguard Institutional Target Retire 2025 (VTTVX) |
| Vanguard Institutional Target Retire 2030 (VTHRX) |
| Vanguard Institutional Target Retire 2035 (VTTHX) |
| Vanguard Institutional Target Retire 2040 (VFORX) |
| Vanguard Institutional Target Retire 2045 (VTIVX) |
| Vanguard Institutional Target Retire 2050 (VFIFX) |
| Vanguard Institutional Target Retire 2055 (VFFVX) |
| Vanguard Institutional Target Retire 2060 (VTTSX) |
| Vanguard Institutional Target Retire 2065 (VSXFX) |
| Vanguard Target Retirement Inc Inv (VTOVX) |
| 1VTINX 225,957.58 |
| 1VTWNX 559,190.63 |
| 1VTTVX 529,405.79 |
| 1VTHRX 1,197,452.89 |
| 1VTTHX 711,467.75 |
| 1VFORX 383,137.59 |
| 1VTIVX 441,106.07 |
| 1VFIFX 201,076.26 |
| 1VFFVX 144,039.90 |
| 1VTTSX 76,508.40 |
| 1VLXVX 87,394.60 |
| 1PCSV15 1,274,845.58 |
| FORFEITURES 31,641.57 |
Investment model portfolios
We provide two types of investment model portfolios for PDI UNION 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 PDI UNION 401(K) PLAN