Investment options of PERKSPOT 401(K) PLAN
Total Available Funds: 25
| Investment Option List |
|---|
| Principal LifeTime Hybrid 2025 CIT Z (PHJQX) |
| Principal LifeTime Hybrid 2030 CIT Z (PHJNX) |
| Principal LifeTime Hybrid 2040 CIT Z (PHJEX) |
| Principal LifeTime Hybrid 2045 CIT Z (PHJYX) |
| Principal LifeTime Hybrid 2050 CIT Z (PHJUX) |
| Principal LifeTime Hybrid 2055 CIT Z (PHJBX) |
| Principal LifeTime Hybrid 2060 CIT Z (PHJGX) |
| Principal LifeTime Hybrid 2065 CIT Z (PLTFX) |
| Principal SmallCap Growth I Separate Account-Z (SCPGX) |
| Principal Inflation Protection Separate Account-Z |
| Principal Overseas Separate Account-Z |
| Principal MidCap Value I Separate Account-Z (PPPPX) |
| Principal Bond Market Index Separate Account-Z |
| Principal Core Plus Bond Separate Account-Z (PCBDX) |
| Principal Equity Income Separate Account-Z (PQUBX) |
| Principal Global Emerging Markets Separate Acct-Z (PIEBX) |
| Principal High Yield Separate Account-Z |
| Principal International Equity Index Separate Account-Z |
| Principal LargeCap S&P 500 Index Separate Account-Z (PLFIX) |
| Principal MidCap Growth Separate Account-Z (PPRRX) |
| Principal MidCap S&P 400 Index Separate Account-Z (MPSIX) |
| Principal SmallCap S&P 600 Index Separate Account-Z (PSSIX) |
| Principal Guaranteed Option |
| Principal LargeCap Growth I Separate Account-Z |
| Principal SmallCap Value II Separate Account-Z (PCVIX) |
Investment model portfolios
We provide two types of investment model portfolios for PERKSPOT 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 PERKSPOT 401(K) PLAN