Investment options of PFS GROUP 401K PLAN
Total Available Funds: 35
| Investment Description |
|---|
| American Funds American High-Income Trust Pooled Separate Account |
| DFA Commodity Strategy Pooled Separate Account |
| DFA Inflation-Protected Securities Pooled Separate Account |
| Fidelity 500 Index Pooled Separate Account |
| Fidelity Mid Cap Index Pooled Separate Account |
| John Hancock Disciplined Value Mid Cap Fund R6 Pooled Separate Account |
| Nuveen Lifecycle Index 2015 Pooled Separate Account |
| Nuveen Lifecycle Index 2020 Pooled Separate Account |
| Nuveen Lifecycle Index 2025 Pooled Separate Account |
| Nuveen Lifecycle Index 2030 Pooled Separate Account |
| Nuveen Lifecycle Index 2035 Pooled Separate Account |
| Nuveen Lifecycle Index 2040 Pooled Separate Account |
| Nuveen Lifecycle Index 2045 Pooled Separate Account |
| Nuveen Lifecycle Index 2050 Pooled Separate Account |
| Nuveen Lifecycle Index 2055 Pooled Separate Account |
| Nuveen Lifecycle Index 2060 Pooled Separate Account |
| Nuveen Lifecycle Index 2065 Pooled Separate Account |
| Nuveen Lifecycle Index R6 Pooled Separate Account |
| PIMCO Commodity Real Return Strategy Fund Pooled Separate Account |
| Vanguard Balanced Index Admiral Pooled Separate Account |
| Vanguard Developed Markets Index Admiral Pooled Separate Account |
| Vanguard Emerging Markets Stock Index Admiral Pooled Separate Account |
| Vanguard Extended Market Index Admiral Pooled Separate Account |
| Vanguard FTSE All-World ex-US Index Admiral Pooled Separate Account |
| Vanguard Growth Index Admiral Pooled Separate Account |
| Vanguard International Growth Admiral Pooled Separate Account |
| Vanguard Intermediate-Term Bond Index Admiral Pooled Separate Account |
| Vanguard Intermediate-Term Treasury Admiral Pooled Separate Account |
| Vanguard Long-Term Treasury Admiral Pooled Separate Account |
| Vanguard Mid-Cap Value Index Admiral Pooled Separate Account |
| Vanguard Short-Term Investment-Grade Admiral |
| Vanguard Small Cap Value Index Fund Admiral |
| Vanguard US Growth Admiral |
| Vanguard Value Index Admiral |
| Vanguard Windsor II Admiral |
Investment model portfolios
We provide two types of investment model portfolios for PFS GROUP 401K 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 PFS GROUP 401K PLAN