Investment options of PINEWOOD PREPARATORY SCHOOL 403(B) PLAN
Total Available Funds: 26
| Investment Description |
|---|
| American Funds Washington Mutual Investors Class R6 |
| American Funds New World Class R6 |
| American Funds Investment Company of America Class R6 |
| Fidelity International Index |
| Ishares iShares Short-Term TIPS Bond |
| Ishares ISHRS DVLPD REAL ESTAT INDX |
| Ishares MSCI EAFE International Index Investor |
| Ishares ISHRS MSCI TTL INTL INDX |
| Ishares Russell 2000 Small Cap Index Investors |
| Ishares ISHRS RSSLL MIDCP INDX |
| Ishares ISHRS RSSLL SMID CP INDX |
| Ishares S&P 500 Index Class |
| Ishares ISHRS TTL US STCK MRKT INDX |
| Ishares US Aggregate Bond Index Class K Fund |
| Vanguard 500 Index Admiral Class |
| Vanguard Strategic Equity Investor Shares |
| Vanguard Small Cap Value Index Admiral Shares |
| Vanguard Growth Index Admiral Shares |
| Empower American Funds Fundamental Invs R3 |
| Empower Hartford Capital Appreciation R5 |
| Empower American Funds Smallcap World R3 |
| Empower Invesco International Bond A |
| Empower Goldman Sachs High Yield A |
| Empower Lord Abbett Developing Growth A |
| Empower Fidelity Advisor Leveraged Co Stk M |
| Notes receivable from participants (4.25% to 9.0%) |
Investment model portfolios
We provide two types of investment model portfolios for PINEWOOD PREPARATORY SCHOOL 403(B) 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 PINEWOOD PREPARATORY SCHOOL 403(B) PLAN