Investment options of PDU CAT, INC. EMPLOYEE PROFIT SHARING AND 401K
Total Available Funds: 29
| Investment Description |
|---|
| AB DISC GROWTH FND Z |
| ALLSPG SPEC MDCP VI FD R6 |
| CLRBRG INTL GROWTH FD IS |
| COLUMBIA OVERSEAS VAL INST 3 |
| DFA REAL ESTATE SECS PORT INS |
| FRANKLIN SM CAP VALUE FND R6 |
| JPMORGAN CORE BOND FUND R6 |
| JPMORGAN EQUITY INCOME FUND R6 |
| JPMORGAN LGCP GRW FND R6 |
| MFS INTL DIVERSIFICATION FD R6 |
| PIMCO INCOME FUND INS |
| TD AMERITRADE SELF DIRECTED BROKERAGE ACCT |
| VANGRD BALANCED INDEX FND ADM |
| VANGRD MID-CAP INDEX FUND ADM |
| VANGRD SMLCP INDX FD ADMIRAL |
| VANGRD TRGT RETIRE 2020 FD INV |
| VANGRD TRGT RETIRE 2025 FD INV |
| VANGRD TRGT RETIRE 2030 FD INV |
| VANGRD TRGT RETIRE 2035 FD INV |
| VANGRD TRGT RETIRE 2040 FD INV |
| VANGRD TRGT RETIRE 2045 FD INV |
| VANGRD TRGT RETIRE 2050 FD INV |
| VANGRD TRGT RETIRE 2055 FD INV |
| VANGRD TRGT RETIRE 2065 FD INV |
| VANGRD TRGT RETIRE INC FD INV |
| VANGUARD 500 INDEX FUND-ADM |
| *VOYA FIXED ACCOUNT (4062) INSURANCE COMPANY GENERAL ACCT |
| *VOYA GV MNY MKT F A (HLD ACCT) |
| WSTASST CORE PLUS BOND FUND IS |
Investment model portfolios
We provide two types of investment model portfolios for PDU CAT, INC. EMPLOYEE PROFIT SHARING AND 401K 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 PDU CAT, INC. EMPLOYEE PROFIT SHARING AND 401K