Investment options of PREMPLOYER, INC. MULTIPLE EMPLOYER PLAN
Total Available Funds: 54
| Investment Description |
|---|
| varying maturity dates. |
| BlackRock BTMKX – iShares MSCI EAFE International Index Fund Class K |
| Dimensional Fund Advisors DFSVX – DFA Us Small Cap Value I | Dfsvx |
| Fidelity FCPGX – Fidelity Small Cap Growth |
| Fidelity FIPDX – Fidelity Inflation-Protected Bond Index |
| Goldman Sachs GSIPX – Gsipx – Goldman Sachs Infl Protected Secs Instl |
| JPMorgan JLGMX – JPMorgan Large Cap Growth Fund Class R6 |
| JPMorgan JUSMX – JPMorgan Us Small Company Cl R6 |
| Massmutual MGRFX – Massmutual Select Mid Cap Growth Equity |
| American Funds RAFGX – American Funds Amcap R6 |
| American Funds RBFGX – American Funds Bond Fund Of America R6 |
| American Funds RCWGX – American Funds Capital World Bond R6 |
| American Funds RERGX – American Funds EuroPacific Growth Fund Class R6 |
| American Funds RFDTX – American Funds 2025 |
| American Funds RFETX – American Funds 2030 Target Date |
| American Funds RFFTX – American Funds 2035 Target Date |
| American Funds RFGTX – American Funds 2040 Target Date |
| American Funds RFHTX – American Funds 2045 Target Date |
| American Funds RFITX – American Funds 2050 Target Date |
| American Funds RFJTX – American Funds Target Date 2015 |
| American Funds RFKTX – American Funds 2055 Target |
| American Funds RFUTX – American Fund Target Date 2060 |
| American Funds RICGX – American Funds The Inv. Co. Of America |
| American Funds RIGGX – American Int'L Growth And Income R6 |
| American Funds RITGX – American High-Incometrust – R6 Shr Cl |
| American Funds RLBGX – American Funds American Balanced R6 |
| American Funds RNPGX – American Funds New Perspective R6 |
| American Funds RNWGX – American Funds New World R6 |
| American Funds RWMGX – American Funds Washington Mutual R6 |
| Vanguard VBILX – Vanguard Intermediate-Term Bond Index Fund Admiral Shares |
| Vanguard VCSAX – Vanguard Consumer Staples Index |
| Vanguard VEMAX – Vanguard Emerging Markets Stock Index Fund Admiral Shares |
| Vanguard VFFVX – Vanguard Target Retirement 2055 Fund Investor Shares |
| Vanguard VFIFX – Vanguard Target Retirement 2050 Fund Investor Shares |
| Vanguard VFORX – Vanguard Target Retirement 2040 Fund Investor Shares |
| Vanguard VIGAX – Vanguard Growth Index Admiral |
| Vanguard VIMAX – Vanguard Mid-Cap Index Fund Admiral Shares |
| Vanguard VLXVX – Vanguard Target Retirement 2065 Inv |
| Vanguard VMGMX – Vanguard Mid-Cap Growth Index Fund Admiral Shares |
| Vanguard VMVAX – Vanguard Mid Cap Value Index Admiral |
| Vanguard VSGAX – Vanguard Small-Cap Growth Index Fund Admiral Shares |
| Vanguard VSIAX – Vanguard Small Cap Value Index Fund Admiral Shares |
| Vanguard VSMAX – Vanguard Small-Cap Index Fund Admiral Shares |
| Vanguard VTHRX – Vanguard Target Retirement 2030 |
| Vanguard VTIVX – Vanguard Target Retirement 2045 |
| Vanguard VTMGX – Vanguard Developed Market Index Fund Admiral Shares |
| Vanguard VTTHX – Vanguard Target Retirement 2035 Fund Investor Shares |
| Vanguard VTTSX – Vanguard Target Retirement 2060 Fund Investor Shares |
| Vanguard VTTVX – Vanguard Target Retirement 2025 |
| Vanguard VTWNX – Vanguard Target Retirement 2020 |
| Vanguard VUIAX – Vanguard Utilities Index Admiral |
| Vanguard VVIAX – Vanguard Value Index Fund Admiral Shares |
| Wells Fargo WFPRX – Wells Fargo Special Mid Cap Value R6 |
| Loan LOAN – Loan 4.25% – 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for PREMPLOYER, INC. MULTIPLE EMPLOYER 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 PREMPLOYER, INC. MULTIPLE EMPLOYER PLAN