Investment options of PRNPT 401(K) PLAN
Total Available Funds: 47
| Investment Description |
|---|
| Blackrock Strategic Completion |
| Mercer International Stock |
| Mercer Mercer Diversified Bond |
| Mercer Mercer International Stock |
| Mercer Mercer Small Mid/Cap Stock |
| Mercer S&P |
| State Street State ST Target Ret 2020 |
| State Street State ST Target Ret 2025 |
| State Street State ST Target Ret 2030 |
| State Street State ST Target Ret 2035 |
| State Street State ST Target Ret 2040 |
| State Street State ST Target Ret 2045 |
| State Street State ST Target Ret 2050 |
| State Street State ST Target Ret 2055 |
| State Street State ST Target Ret 2060 |
| State Street State ST Target Ret 2065 |
| State Street State ST Target Ret Income |
| Mercer US Bond |
| Mercer US Small/Mid Cap Stock Index |
| Reliance Trust Company Reliance Metlife Series 25053 |
| Blackrock Multi-Asset Income |
| Rates from 4.25% to 9.50% – |
| 1BKMIX 21,767.42 |
| 1BRSCNM 53,827.90 |
| 1SSTRIV 322,965.93 |
| 1SSTC20 828,523.07 |
| 1SSTC25 2,410,039.83 |
| 1SSTC30 3,828,044.10 |
| 1SSTC45 4,972,365.83 |
| 1SSTC50 3,832,366.38 |
| 1SSTC55 4,711,591.40 |
| 1SSTC60 2,039,280.70 |
| 1SSTC65 485,323.52 |
| 1SSTC35 3,868,566.51 |
| 1SSTC40 5,223,369.94 |
| 1MERINS 288,514.15 |
| 1MERSSE 494,280.51 |
| 1MERSMD 349,983.10 |
| 1MERSSR 364,309.19 |
| 1MERSS5 3,054,698.01 |
| 1MERDBD 51,053.02 |
| 1MERSSB 227,699.54 |
| 1IVSVB1 113,603.66 |
| 1METSV3 638,560.70 |
| 1SDBSCH 126,838.80 |
| 1SDBSCR 5,434.46 |
| FORFEITURES 164,737.07 |
Investment model portfolios
We provide two types of investment model portfolios for PRNPT 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 PRNPT 401(K) PLAN