Investment options of SANDLER RETIREMENT PLAN
Total Available Funds: 20
| Investment Option List |
|---|
| Principal Global Investors Trust Company Principal Lifetime Hybrid 2030 (PHJNX) |
| Principal Global Investors Trust Company Principal Lifetime Hybrid 2040 (PHJEX) |
| American Funds Growth Fund of America (FAFGX) |
| Principal Global Investors Trust Company Principal Lifetime Hybrid 2045 (PHJYX) |
| Principal Global Investors Trust Company Principal Lifetime Hybrid 2050 (PHJUX) |
| Vanguard Value (VTRIX) |
| Principal Global Investors Trust Company Principal Lifetime Hybrid 2020 (PHJTX) |
| Principal Global Investors Trust Company Principal Lifetime Hybrid 2035 (PHJJX) |
| American Funds Europacific Growth Fund (FEPUX) |
| Dimensional Fund Advisors DFA International Small Company Fund (DISVX) |
| Principal Global Investors Trust Company Principal Lifetime Hybrid 2025 (PHJQX) |
| Charles Schwab Charles Schwab US Aggregate Bond (SWAGX) |
| Principal Global Investors Trust Company Principal Lifetime Hybrid 2060 (PHJGX) |
| Principal Global Investors Trust Company Principal Lifetime Hybrid 2055 CIT (PHJBX) |
| Principal Global Investors Trust Company Principal Lifetime Hybrid Income (PHJFX) |
| Charles Schwab Charles Schwab International (SWINX) |
| Vanguard MidCap Value (VTRIX) |
| Principal Global Investors Trust Company Principal Lifetime Hybrid 2065 (PLTFX) |
| Principal Global Investors Trust Company Principal Lifetime Hybrid 2015 (PHJMX) |
| Principal Global Investors Trust Company Principal Lifetime Hybrid 2070 (PLKJX) |
Investment model portfolios
We provide two types of investment model portfolios for SANDLER RETIREMENT 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 SANDLER RETIREMENT PLAN