Investment options of Ptc 401 K Savings Plan
Total Available Funds: 19
| Investment Description |
|---|
| T. Rowe Price Target 2035 TR-G Common/collective trust N/A N/A N/A |
| T. Rowe Price Target 2030 TR-G Common/collective trust N/A N/A N/A |
| T. Rowe Price Target 2040 I Common/collective trust N/A N/A N/A |
| T. Rowe Price Target 2025 I Common/collective trust N/A N/A N/A |
| T. Rowe Price Target 2045 TR-G Common/collective trust N/A N/A N/A |
| T. Rowe Price Target 2050 TR-G Common/collective trust N/A N/A N/A |
| T. Rowe Price Target 2055 TR-G Common/collective trust N/A N/A N/A |
| T. Rowe Price Target 2020 TR-G Common/collective trust N/A N/A N/A |
| T. Rowe Price Target 2060 I Common/collective trust N/A N/A N/A |
| T. Rowe Price Target 2015 TR-G Common/collective trust N/A N/A N/A |
| PIMCO Stable Income Fund II Founder Class Common/collective trust N/A N/A N/A |
| BlackRock MSCI ACWI U.S. Index Fund Class R Common/collective trust N/A N/A N/A |
| T. Rowe Price Target 2010 TR-G Common/collective trust N/A N/A N/A |
| Great Gray EuroPac Growth Trust Class R1 Common/collective trust N/A N/A N/A |
| T. Rowe Price Target 2005 TR-G Common/collective trust N/A N/A N/A |
| T. Rowe Price Target 2065 TR-G Common/collective trust N/A N/A N/A |
| Small Cap Growth Fund Class R1 Common/collective trust N/A N/A N/A |
| Emerging Markets Fund II Class R1 Common/collective trust N/A N/A N/A |
| through 2039 4.25% to 9.50% – |
Investment model portfolios
We provide two types of investment model portfolios for Ptc 401 K Savings 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 Ptc 401 K Savings Plan