Investment options of PPIC 401(K) SAFE HARBOR PLAN
Total Available Funds: 25
| Investment Description |
|---|
| AB RELATIVE VALUE Z MUTUAL FUND |
| AMERICAN FUNDS INFLATION LINKED BOND R6 MUTUAL FUND |
| COHEN & STEERS REAL ESTATE SECURITIES Z MUTUAL FUND |
| EMPOWER INTERNATIONAL VALUE INSTL MUTUAL FUND |
| PGIM HIGH-YIELD R6 MUTUAL FUND |
| TIAA-CREF CORE BOND INSTL MUTUAL FUND |
| TIAA-CRE EQUITY INDEX INSTL MUTUAL FUND |
| TIAA-CRE INTERNATIONAL EQ IDX INSTL MUTUAL FUND |
| VANGUARD MID-CAP INDEX FUND - ADMIRAL MUTUAL FUND |
| TIAA-CRE SMALL-CAP BLEND IDX INST MUTUAL FUND |
| AB U.S. LARGE-CAP GROWTH SERIES P1 COMMON/COLLECTIVE TRUST |
| AMERICAN CENTURY RET HYBRID 2025 TRST I COMMON/COLLECTIVE TRUST |
| AMERICAN CENTURY RET HYBRID 2030 TRST I COMMON/COLLECTIVE TRUST |
| AMERICAN CENTURY RET HYBRID 2035 TRST I COMMON/COLLECTIVE TRUST |
| AMERICAN CENTURY RET HYBRID 2040 TRST I COMMON/COLLECTIVE TRUST |
| AMERICAN CENTURY RET HYBRID 2045 TRST I COMMON/COLLECTIVE TRUST |
| AMERICAN CENTURY RET HYBRID 2050 TRST I COMMON/COLLECTIVE TRUST |
| AMERICAN CENTURY RET HYBRID 2055 TRST I COMMON/COLLECTIVE TRUST |
| AMERICAN CENTURY RET HYBRID 2060 TRST I COMMON/COLLECTIVE TRUST |
| AMERICAN CENTURY RET HYBRID INCOMETRST I COMMON/COLLECTIVE TRUST |
| LORD ABBETT SMALL-CAP GROWTH TRUST COMMON/COLLECTIVE TRUST |
| MARTIN CURRIE EMERGING MARKETS COMMON/COLLECTIVE TRUST |
| MID-CAP GROWTH FUND FUND R1 COMMON/COLLECTIVE TRUST |
| MID-CAP VALUE FUND R1 COMMON/COLLECTIVE TRUST |
| PGIM CORE CONSER BOND FUND R1 COMMON/COLLECTIVE TRUST |
Investment model portfolios
We provide two types of investment model portfolios for PPIC 401(K) SAFE HARBOR 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 PPIC 401(K) SAFE HARBOR PLAN