Saga Communications, Inc. Employees’ 401(k) Savings and Investment Plan
Investment Model Portfolios
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Investment options of Saga Communications, Inc. Employees’ 401(k) Savings and Investment Plan
Total Available Funds: 31
| Asset Class |
Ticker
| Description |
| Others |
|
|
| EQUITY |
PRU |
Prudential rtmt Insurance Company Guaranteed Income Fund |
| Moderate Allocation |
VWELX |
Prudential rtmt Insurance Company Vanguard Wellington / Admiral Fund |
| EQUITY |
^GSPC |
Prudential rtmt Insurance Company Dryden S P 500 Index Fund |
| unknown asset name |
P_5785 |
Prudential rtmt Insurance Company Balanced I / Wellington Management Fund |
| Financial |
FSPCX |
Prudential rtmt Insurance Company Fidelity G/I Account |
| unknown asset name |
P_5939 |
Prudential rtmt Insurance Company Large Cap Value / LSV Asset Management Fund |
| EQUITY |
PRU |
Prudential rtmt Insurance Company Janus Fund |
| Moderate Allocation |
OAKBX |
Prudential rtmt Insurance Company Oakmark Equity & Income Class I |
| unknown asset name |
P_14320 |
Prudential rtmt Insurance Company Lifetime Aggressive Growth Fund |
| unknown asset name |
P_2367 |
Prudential rtmt Insurance Company Lifetime Balanced Fund |
| unknown asset name |
P_6099 |
Prudential rtmt Insurance Company International Growth / Artisan Partners |
| unknown asset name |
P_14320 |
Prudential rtmt Insurance Company Lifetime Growth Fund |
| unknown asset name |
P_14324 |
Prudential rtmt Insurance Company Lifetime Conservative Growth Fund |
| Conservative Allocation |
DGIIX |
Prudential rtmt Insurance Company Lifetime Income & Equity Fund |
|
| US EQUITY |
|
|
| LARGE GROWTH |
FCNTX |
Prudential rtmt Insurance Company Fidelity Contrafund Account |
| LARGE GROWTH |
PRGFX |
Prudential rtmt Insurance Company T Rowe Price Growth Stock Fund |
| Mid-Cap Growth |
TMDIX |
Prudential rtmt Insurance Company Mid Cap Growth / TimesSquare Fund |
| LARGE GROWTH |
TWUIX |
Prudential rtmt Insurance Company American Century Ultra Account |
| MID-CAP VALUE |
ARTQX |
Prudential rtmt Insurance Company Mid Cap Growth / Artisan Partners Fund |
| SMALL VALUE |
WPGTX |
Prudential rtmt Insurance Company Small Cap Value / Kennedy Capital Fund |
| LARGE BLEND |
IFOFX |
Prudential rtmt Insurance Company Mid Cap Value / Integrity Fund |
| Small Growth |
LSBYX |
Prudential rtmt Insurance Company Small Cap Blend / WHV Fund |
| LARGE VALUE |
OBFOX |
Prudential rtmt Insurance Company Large Cap Value / Barrow Hanley Fund |
| LARGE GROWTH |
AMOMX |
Prudential rtmt Insurance Company AllianceBern International Value Fund Class K |
| Small Growth |
GTSVX |
Prudential rtmt Insurance Company Aim Small Cap Growth Strategy |
| LARGE GROWTH |
VFGAX |
Prudential rtmt Insurance Company Large Cap Blend / Victory Fund |
| LARGE BLEND |
FLCEX |
Prudential rtmt Insurance Company Core Bond Enhanced Index / PIM Fund |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Blend |
JIEIX |
Prudential rtmt Insurance Company International Blend / Artio Fund |
| WORLD STOCK |
OPPAX |
Prudential rtmt Insurance Company Oppenheimer Global Class A |
|
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
FBNDX |
Prudential rtmt Insurance Company Investment Grade Coporate Bond / PIM Fund |
| High Yield Bond |
VCHYX |
Prudential rtmt Insurance Company High Yield Bond / Caywood-Scholl Fund |
|
Investment model portfolios
We provide two types of investment model portfolios for Saga Communications, Inc. Employees’ 401(k) Savings and Investment 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 Saga Communications, Inc. Employees’ 401(k) Savings and Investment Plan
