PIPE FITTERS ASSOCIATION L.U. 597 U.A. 401K PLA Investment Model Portfolios

Investment options of PIPE FITTERS ASSOCIATION L.U. 597 U.A. 401K PLA

Total Available Funds: 14

Asset Class

Ticker

Description

Others
Target Date 2000-2010	MRXAX	MassMutual Select Funds: MassMutual RetireSMART 2010 Fund; Class A Shares
Retirement Income	MRDAX	MassMutual Select Funds: MassMutual RetireSMART In Retirement Fund; Class A Shares
Target Date 2011-2015	MMJAX	MassMutual Select Funds: MassMutual RetireSMART 2015 Fund; Class A Shares

US EQUITY
LARGE BLEND	MMILX	MassMutual Select Funds: MassMutual Select Indexed Equity Fund; Class L Shares
Small Growth	MSGSX	MassMutual Select Funds: MassMutual Select Small Cap Growth Equity Fund; Class S Shares
SMALL BLEND	MSVSX	MassMutual Select Funds: MassMutual Select Small Company Value Fund; Class S Shares
SMALL BLEND	MMYAX	MassMutual Select Funds: MassMutual Select Small Company Value Fund; Class A Shares
Small Growth	MMGEX	MassMutual Select Funds: MassMutual Select Small Cap Growth Equity Fund; Class A Shares
LARGE BLEND	MIEAX	MassMutual Select Funds: MassMutual Select Indexed Equity Fund; Class A Shares
LARGE GROWTH	AGTHX	Growth Fund of America
Mid-Cap Growth	MEFAX	MassMutual Select Funds: MassMutual Select Mid Cap Growth Equity II Fund; Class A Shares

FIXED INCOME
Intermediate-Term Bond	MSPGX	MassMutual Select Funds: MassMutual Select Pimco Total Return Fund; Class A Shares
Intermediate-Term Bond	MSPNX	MassMutual Select Funds: MassMutual Select Pimco Total Return Fund; Class N Shares

INTERNATIONAL EQUITY
Foreign Large Blend	AEPGX	EuroPacific Growth Fund; Class A Shares

Investment model portfolios

We provide two types of investment model portfolios for PIPE FITTERS ASSOCIATION L.U. 597 U.A. 401K PLA 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.

Customize a model portfolio now

Retirement Plan (401(k)) Info for PIPE FITTERS ASSOCIATION L.U. 597 U.A. 401K PLA

PIPE FITTERS ASSOCIATION L.U. 597, U.A. 401(K) PLA

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