Investment options of PERLO CONSTRUCTION GROUP RETIREMENT PLAN
Total Available Funds: 83
| Investment Description |
|---|
| State Street Target Ret 2065 Pooled separate account |
| State Street Target Ret 2060 Pooled separate account |
| State Street Target Ret 2055 Pooled separate account |
| State Street Target Ret 2050 Pooled separate account |
| State Street Target Ret 2045 Pooled separate account |
| State Street Target Ret 2040 Pooled separate account |
| State Street Target Ret 2035 Pooled separate account |
| State Street Target Ret 2030 Pooled separate account |
| State Street Target Ret 2025 Pooled separate account |
| State Street Target Ret 2020 Pooled separate account |
| JH Multi-Index LS Aggressive Pooled separate account |
| JH Multi-Index LS Growth Pooled separate account |
| JH Multi-Index LS Balanced Pooled separate account |
| JH Multi-Index LS Moderate Pooled separate account |
| 500 Index Fund Pooled separate account |
| AF Capital Income Builder Pooled separate account |
| American Funds New World Fund Pooled separate account |
| American Funds SMALLCAP World Pooled separate account |
| BlackRock Global Allocation Pooled separate account |
| Capital Appreciation Fund Pooled separate account |
| Capital World Growth & Income Pooled separate account |
| DFA Emerging Markets Value Pooled separate account |
| High Yield Fund Pooled separate account |
| Intl Equity Index Fund Pooled separate account |
| Invesco International Bond Pooled separate account |
| iShares Gold Trust ETF Pooled separate account |
| John Hancock Disciplined Value Pooled separate account |
| Carried forward |
| Brought forward |
| JPMorgan US Equity Fund Pooled separate account |
| Mid Cap Index Fund Pooled separate account |
| Mutual Global Discovery Pooled separate account |
| Nuveen Large-Cap Growth Index Pooled separate account |
| Real Est. Securities Fund Pooled separate account |
| Small Cap Index Fund Pooled separate account |
| Sprott Gold Fund Pooled separate account |
| Strategic Income Opp Fund Pooled separate account |
| Vanguard Balanced Index Fund Pooled separate account |
| Vanguard Mid-Cap Growth ETF Pooled separate account |
| Vanguard Mid-Cap Value ETF Pooled separate account |
| Vanguard Small Cap Grow Index Pooled separate account |
| Vanguard Small Cap Value Index Pooled separate account |
| through May 2044 -0- |
| SSgA FM State Street Target Ret 2060 |
| SSgA FM State Street Target Ret 2055 |
| SSgA FM State Street Target Ret 2050 |
| SSgA FM State Street Target Ret 2045 |
| SSgA FM State Street Target Ret 2040 |
| SSgA FM State Street Target Ret 2035 |
| SSgA FM State Street Target Ret 2030 |
| SSgA FM State Street Target Ret 2025 |
| SSgA FM State Street Target Ret 2020 |
| John Hancock JH Lifestyle Blend Aggressive |
| John Hancock JH Lifestyle Blend Growth |
| John Hancock JH Lifestyle Blend Balanced |
| John Hancock JH Lifestyle Blend Moderate |
| American Funds New World Fund |
| American Funds SMALLCAP World |
| DFA Capital Appreciation Fund |
| iShares DFA Emerging Markets Value |
| John Hancock iShares Gold Trust ETF |
| Deutsche Asset Mgmt Mid Cap Index Fund |
| John Hancock Nuveen Large-Cap Growth Index |
| Sprott Real Est. Securities Fund |
| Vanguard Small Cap Index Fund |
| Vanguard Sprott Gold Equity Fund |
| Vanguard Mid-Cap Growth ETF |
| Vanguard Mid-Cap Value ETF |
| John Hancock Vanguard Small Cap Grow Index |
| American Funds Vanguard Small Cap Value Index |
| American Funds 500 Index Fund |
| Franklin Templeton Capital World Growth & Income |
| SSgA FM Mutual Global Discovery |
| John Hancock Intl Equity Index Fund |
| JP Morgan John Hancock Disciplined Value |
| TIAA-CREG JPMorgan U.S. Equity Fund |
| American Funds AF Capital Income Builder |
| BlackRock Global Allocation |
| Vanguard Balanced Index Fund |
| John Hancock High Yield Fund |
| Invesco International Bond |
| John Hancock Strategic Income Opp Fund |
| maturing 2025 – 2044 |
Investment model portfolios
We provide two types of investment model portfolios for PERLO CONSTRUCTION GROUP 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 PERLO CONSTRUCTION GROUP RETIREMENT PLAN