Investment options of PRECINMAC 401(K) PLAN
Total Available Funds: 32
| Investment Description |
|---|
| Fidelity 500 Index Fund 53,106 |
| Fidelity Freedom Index 2015 Fund 18,239 |
| Fidelity Freedom Index 2020 Fund 178,934 |
| Fidelity Freedom Index 2025 Fund 455,107 |
| Fidelity Freedom Index 2030 Fund 525,760 |
| Fidelity Freedom Index 2035 Fund 435,087 |
| Fidelity Freedom Index 2040 Fund 352,044 |
| Fidelity Freedom Index 2045 Fund 316,333 |
| Fidelity Freedom Index 2050 Fund 448,600 |
| Fidelity Freedom Index 2055 Fund 352,831 |
| Fidelity Freedom Index 2060 Fund 210,500 |
| Fidelity Freedom Index 2065 Fund 183,755 |
| Fidelity Freedom Index 2070 Fund 2,083 |
| Fidelity Freedom Index Income Fund Investor Class 47,091 |
| Fidelity Investment Grade Bond Fund 449,176 |
| Fidelity Large Cap Growth Index Fund 664,535 |
| Fidelity Long-Term Treasury Bond Index Fund 1,959 |
| MFS Corporate Bond Fund Class R6 15,021 |
| MFS Mid Cap Value Fund Class R6 38,424 |
| PGIM High Yield Fund Class R6 147,089 |
| PIMCO Income Fund Institutional Class 171,094 |
| Vanguard Developed Markets Index Fund Admiral 96,784 |
| Vanguard Emerging Markets Stock Fund Admiral 25,313 |
| Vanguard Explorer Fund Admiral 19,342 |
| Vanguard Inflation Protected Securities Fund Admiral 14,151 |
| Vanguard International Growth Fund Admiral 13,415 |
| Vanguard Mid Cap Growth Index Fund Admiral 7,170 |
| Vanguard Mid Cap Index Fund Admiral 10,478 |
| Vanguard Mid Cap Value Index Fund Admiral 7,453 |
| Vanguard Small Cap Index Fund Admiral 8,721 |
| Vanguard Small Cap Value Index Admiral 16,795 |
| Vanguard Value Index Fund Admiral 69,673 |
Investment model portfolios
We provide two types of investment model portfolios for PRECINMAC 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 PRECINMAC 401(K) PLAN