Investment options of POWER SYSTEM ENGINEERING, INC. 401(K) PLAN
Total Available Funds: 35
| Investment Description |
|---|
| American Funds American Balanced Fund |
| American Funds New Perspective Fund |
| American Funds New World Fund |
| BlackRock Technology Opportunities Fund |
| Carillon Eagle Mid Cap Growth Fund |
| Columbia High Yield Bond Fund |
| Fidelity |
| Fidelity Mid Cap |
| Fidelity Natural Resources Fund |
| Fidelity Small Cap |
| Goldman Sachs Small Cap Value Insights Fund |
| Invesco Balanced-Risk Commodity Strategy Fund |
| iShares Msci Eafe International |
| Janus Henderson Global Technology Innovation Fund |
| Janus Henderson Multi-Sector Income Fund |
| Janus Henderson Venture Fund |
| JPMorgan U.S. Small Company Fund |
| MFS International Diversification Fund |
| MFS Mid Cap Value Fund |
| PIMCO Income Fund |
| PIMCO Realpath Blend 2025 Fund |
| PIMCO Realpath Blend 2030 Fund |
| PIMCO Realpath Blend 2035 Fund |
| PIMCO Realpath Blend 2040 Fund |
| PIMCO Realpath Blend 2045 Fund |
| PIMCO Realpath Blend 2050 Fund |
| PIMCO Realpath Blend 2055 Fund |
| PIMCO Realpath Blend 2060 Fund |
| PIMCO Realpath Blend Income Fund |
| T. Rowe Price Health Sciences Fund |
| Vanguard Information Technology |
| Great Gray Large Cap Growth Fund III |
| Great Gray Large Cap Value Fund |
| Company of America Key Guaranteed Portfolio Fund |
| repayment schedules through August |
Investment model portfolios
We provide two types of investment model portfolios for POWER SYSTEM ENGINEERING, INC. 401(K) 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 POWER SYSTEM ENGINEERING, INC. 401(K) PLAN