Investment options of PROSERV 401(K) PLAN
Total Available Funds: 60
| Investment Description |
|---|
| BlackRock LifePath Index 2030 Fund |
| BlackRock LifePath Index 2035 Fund |
| BlackRock LifePath Index 2040 Fund |
| BlackRock LifePath Index 2045 Fund |
| BlackRock LifePath Index 2050 Fund |
| BlackRock LifePath Index 2055 Fund |
| BlackRock LifePath Index 2060 Fund |
| BlackRock LifePath Index 2065 Fund |
| BlackRock LifePath Index Retirement Fund |
| BlackRock Global Allocation Fund |
| Columbia Dividend Opportunity Fund |
| Allspring Special Mid Cap Value Fund |
| PIMCO Income Fund |
| PGIM Jennison Small Company Fund |
| American Funds American Balanced Fund |
| American Funds New World Fund |
| American Century Short Duration Inflation Protection Bond Fund |
| MFS Growth Fund |
| Vanguard International Value Fund |
| Vanguard International Growth Fund |
| Fidelity |
| Fidelity U.S. Bond |
| Fidelity Mid Cap |
| Fidelity Small Cap |
| Fidelity International |
| Franklin Small-Mid Cap Growth Fund |
| Invesco Small Cap Value Fund |
| T. Rowe Price Retirement Balanced Fund |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| COHEN & STEERS REAL EST SEC Z |
| BLACKROCK LIFEPATH 2055 FUND K |
| VAN INTERNATIONAL VALUE – INV |
| FID SMALL CAP INDEX |
| FID INTERNATIONAL INDEX |
| FID 500 IND |
| BLACKROCK LIFEPATH RET FUND K |
| AMERICAN FUNDS NEW WORLD R6 |
| AMC SH DUR INFL PR BND R6 |
| AB GLOBAL BOND Z |
| BLACKROCK LIFEPATH 2050 FUND K |
| FRANKLIN SMALL MID CAP GR R6 |
| BLACKROCK LIFEPATH 2065 K |
| BLACKROCK LIFEPATH 2060 K |
| ALLSPRING SPECIAL MC VAL R6 |
| COLUMBIA DIV OPPT INST |
| BLACKROCK LIFEPATH 2030 FUND K |
| FID US BOND IND |
| FID MID CAP INDEX |
| PIMCO INCOME FUND – INSTL |
| PGIM JENNISON SM CO R6 |
| VANGUARD INTL GRTH ADM |
| AMERFUNDS AMER BALANCED – R6 |
| BLACKROCK LIFEPATH 2035 K |
| INV SM CAP VAL R6 |
| BR GLOB ALLOC K |
| BLACKROCK LIFEPATH 2040 FUND K |
| BLACKROCK LIFEPATH 2045 FUND K |
| MFS GROWTH FUND R6 |
| T.ROWE PRICE RETIRE BALANCED |
Investment model portfolios
We provide two types of investment model portfolios for PROSERV 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 PROSERV 401(K) PLAN