Investment options of PRO DIRECTIONAL 401(K) PLAN
Total Available Funds: 23
| Investment Description |
|---|
| Dodge & Cox Income Fund 5,150 shares |
| PIMCO Income Fund 27,419 shares |
| American Funds 2010 Target Date Retirement Fund 46,323 shares |
| American Funds 2020 Target Date Retirement Fund 18,017 shares |
| American Funds 2025 Target Date Retirement Fund 114,520 shares |
| American Funds 2030 Target Date Retirement Fund 44,323 shares |
| American Funds 2035 Target Date Retirement Fund 150,741 shares |
| American Funds 2040 Target Date Retirement Fund 68,447 shares |
| American Funds 2045 Target Date Retirement Fund 128,615 shares |
| American Funds 2050 Target Date Retirement Fund 108,299 shares |
| American Funds 2055 Target Date Retirement Fund 29,407 shares |
| American Funds 2060 Target Date Retirement Fund 13,394 shares |
| JPMorgan Large Cap Value Fund 34,377 shares |
| Vanguard 500 Index Fund 27,66 shares |
| Allspring Special Mid-Cap Value Fund 1,887 shares |
| Carillon Scout Mid Cap Fund 4,943 shares |
| JPMorgan Large Cap Growth Fund 5,707 shares |
| Nationwide Geneva Small Cap Growth Fund 378 shares |
| Vanguard Mid-Cap Growth Index Fund 23 shares |
| Vanguard Small Cap Index Fund 515 shares |
| Macquarie Emerging Markets Fund 4,771 shares |
| Fidelity International Index Fund 2,649 shares |
| MFS International Equity Fund 9,77 shares |
Investment model portfolios
We provide two types of investment model portfolios for PRO DIRECTIONAL 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 PRO DIRECTIONAL 401(K) PLAN