Investment options of PRUDENTIAL LIGHTING UNION PLAN
Total Available Funds: 27
| Investment Description |
|---|
| Invesco Stable Asset |
| State Street International Index Securities Lending Fund VII |
| State Street S&P 500 Index IX |
| State Street US Bond Index Securities Lending Fund VIII |
| State Street Russell Small Cap Index Fund VIII |
| State Street S&P Mid Cap Index Non-Lending Fund J |
| T Rowe Price T Rowe Price Retirement 2010 |
| T Rowe Price T Rowe Price Retirement 2020 |
| T Rowe Price T Rowe Price Retirement 2030 |
| T Rowe Price T Rowe Price Retirement 2040 |
| T Rowe Price T Rowe Price Retirement 2050 |
| T Rowe Price T Rowe Price Retirement 2060 |
| T Rowe Price T Rowe Price Retirement Balanced Fund |
| Rates from 5.25% to 10.50% |
| T.ROWE PRICE RETIREMENT 2010-R |
| T.ROWE PRICE RETIREMENT 2020-R |
| T.ROWE PRICE RETIREMENT 2050-R |
| T.ROWE PRICE RETIREMENT 2030-R |
| T. ROWE PRICE RETIRE BALANCE R |
| T.ROWE PRICE RETIREMENT 2040-R |
| T.ROWE PRICE RETIREMENT 2060-R |
| INVESCO STABLE ASSET – ADP59 |
| STATE ST INTL IDX SECLEND VIII |
| STATE ST RUSS SC IDX VIII |
| STATE ST S&P 500 IDX IX |
| STATE ST S&P MD CP IDX NL J |
| STATE ST US BD IDX SL VIII |
Investment model portfolios
We provide two types of investment model portfolios for PRUDENTIAL LIGHTING UNION 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 PRUDENTIAL LIGHTING UNION PLAN