Investment options of PROTHERA 401(K) AND PROFIT SHARING PLAN
Total Available Funds: 31
| Investment Description |
|---|
| American Funds Euro Pacific Growth Fund |
| American Funds New Perspective Fund |
| Vanguard Total International Stock Index Fund |
| Vanguard Emerging Markets Stock Index Admin Fund |
| DFA Emerging Markets Fund |
| Janus Henderson Triton Fund |
| DFA US Targeted Value Fund |
| JP Morgan Large Capital Growth Fund |
| Vanguard Equity Income Administrative Fund |
| American Funds Washington Mutual Fund |
| Vanguard Small Cap Index Admiral Shares |
| Vanguard Mid Cap Index Admiral Fund |
| Vanguard 500 Index Fund Admiral Fund |
| Vanguard Total Stock Market Index Fund |
| Vanguard Real Estate Index Administrative Fund |
| Vanguard Balance Index Admiral Fund |
| Pimco Income Fund Institutional Class Fund |
| Principal High Yield Fund Institutional Fund |
| MetWest Funds Metropolitan Total Return Fund |
| Vanguard Short Term Bond Index Fund |
| Vanguard GNMA Administrative Fund |
| Charles Schwab Schwab Value Advantage Money Fund |
| Vanguard Life Strategy Growth Fund |
| Vanguard Life Strategy Moderate Growth Fund |
| Vanguard Life Strategy Conservative Growth Fund |
| Vanguard Life Strategy Income Fund |
| American Funds 2060 Target Date Retirement Fund |
| American Funds 2050 Target Date Retirement Fund |
| American Funds 2040 Target Date Retirement Fund |
| American Funds 2030 Target Date Retirement Fund |
| American Funds 2020 Target Date Retirement Fund |
Investment model portfolios
We provide two types of investment model portfolios for PROTHERA 401(K) AND PROFIT SHARING 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 PROTHERA 401(K) AND PROFIT SHARING PLAN