Investment options of PTS EMPLOYEE`S 401K PLAN
Total Available Funds: 35
| Investment Description |
|---|
| American Funds American Balanced |
| American Funds International Growth and Income |
| American Funds New Perspective |
| American Funds New World |
| Baird Baird Aggregate Bond Class |
| BlackRock Inflation Protected Bond |
| Delware Delaware Small Cap Value |
| DWS Securities DWS Enhanced Commodity Strategy |
| Federated Government Federated Government Ultrashort Duration |
| Franklin Small Cap Growth |
| JPMorgan Large Cap Growth |
| JPMorgan US Equity |
| Neuberger Berman Neuberger Mid Cap Growth |
| PIMCO Income Institutional |
| Vanguard 500 Index |
| Vanguard High Yield Corporate |
| Vanguard International Growth |
| Vanguard International Value |
| Vanguard Mid Cap Value Index |
| Vanguard Windsor II |
| Yourpath Yourpath 2015 Moderate |
| Yourpath Yourpath 2020 Moderate |
| Yourpath Yourpath 2025 Moderate |
| Yourpath Yourpath 2030 Moderate |
| Yourpath Yourpath 2035 Moderate |
| Yourpath Yourpath 2040 Conservative |
| Yourpath Yourpath 2040 Moderate |
| Yourpath Yourpath 2045 Moderate |
| Yourpath Yourpath 2050 Aggressive |
| Yourpath Yourpath 2050 Moderate |
| Yourpath Yourpath 2055 Moderate |
| Yourpath Yourpath 2060 Aggressive |
| Yourpath Yourpath 2060 Moderate |
| Yourpath Yourpath 2065 Aggressive |
| Yourpath Yourpath 2065 Moderate |
Investment model portfolios
We provide two types of investment model portfolios for PTS EMPLOYEE`S 401K 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 PTS EMPLOYEE`S 401K PLAN