Investment options of PGTEK, INC. 401(K) PROFIT SHARING PLAN & TRUST
Total Available Funds: 27
| Investment Description |
|---|
| DFA REAL ESTATE SECURITIES MUTUAL FUNDS |
| INVESCO OPPEN GOLD & SPEC MINERAL MUTUAL FUNDS |
| ISHARES US AGGREGATE BD INDEX MUTUAL FUNDS |
| *SCHWAB INTL INDEX FD MUTUAL FUNDS |
| *SCHWAB S&P 500 INDEX FUND MUTUAL FUNDS |
| *SCHWAB SMALL CAP INDEX SELECT MUTUAL FUNDS |
| *SCHWAB TARGET 2020 INDEX FUND MUTUAL FUNDS |
| *SCHWAB TARGET 2030 INDEX FUND MUTUAL FUNDS |
| *SCHWAB TARGET 2040 INDEX FUND MUTUAL FUNDS |
| *SCHWAB TARGET 2050 INDEX FUND MUTUAL FUNDS |
| *SCHWAB TARGET 2060 INDEX FUND MUTUAL FUNDS |
| *SCHWAB TOTAL STK MKT INDEX MUTUAL FUNDS |
| *SCHWAB TREAS INFLAT PORT SEC IDX FD MUTUAL FUNDS |
| TIAA CREF LARGE CAP VALUE INDX MUTUAL FUNDS |
| TIAA-AMP;CREF LARGE-AMP;CAP GR IDX INSTL MUTUAL FUNDS |
| VANGUARD BALANCED INDEX FD ADMIRAL MUTUAL FUNDS |
| VANGUARD EMRG MKTS STK INDEX FD MUTUAL FUNDS |
| VANGUARD ENERGY INDEX ADM MUTUAL FUNDS |
| VANGUARD FINANCIALS INDEX FD ADM MUTUAL FUNDS |
| VANGUARD HEALTH CARE IND FD MUTUAL FUNDS |
| VANGUARD HI-YIELD CORP FD ADMIRAL MUTUAL FUNDS |
| VANGUARD INFO TECH INDEX FD MUTUAL FUNDS |
| VANGUARD MATERIALS INDEX FD MUTUAL FUNDS |
| VANGUARD MID CAP INDEX FUND MUTUAL FUNDS |
| VANGUARD SMALL CAP GROWTH INDEX MUTUAL FUNDS |
| VANGUARD SMALL CAP VALUE INDEX MUTUAL FUNDS |
| VANGUARD TOTAL MUTUAL FUNDS |
Investment model portfolios
We provide two types of investment model portfolios for PGTEK, INC. 401(K) PROFIT SHARING PLAN & TRUST 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 PGTEK, INC. 401(K) PROFIT SHARING PLAN & TRUST