Investment options of THE PINGRY CORPORATION DEFINED CONTRIBUTION PLAN
Total Available Funds: 42
| Investment Description |
|---|
| TIAA- CREF LIFECYCLE 2010 FUND |
| TIAA- CREF LIFECYCLE 2015 FUND |
| TIAA- CREF LIFECYCLE 2020 FUND |
| TIAA- CREF LIFECYCLE 2025 FUND |
| TIAA- CREF LIFECYCLE 2030 FUND |
| TIAA- CREF LIFECYCLE 2035 FUND |
| TIAA- CREF LIFECYCLE 2040 FUND |
| TIAA- CREF LIFECYCLE 2045 FUND |
| TIAA- CREF LIFECYCLE 2050 FUND |
| TIAA- CREF LIFECYCLE 2055 FUND |
| TIAA- CREF LIFECYCLE 2060 FUND |
| TIAA- CREF LIFECYCLE RETIREMENT INCOME |
| TIAA- CREF MONEY MARKET |
| TIAA- CREF S& P 500 INDEX FUND |
| TIAA- CREF SMALL CAP BLEND INDEX FUND |
| TIAA- CREF SELF DIRECTED ACCOUNT |
| AMERICAN FUNDS AMERICAN BALANCED FUND R5 |
| AMERICAN FUNDS AMERICAN BALANCED FUND R4 |
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND R5 |
| AMERICAN BEACON GLOBAL BOND ADVISOR |
| AMERICAN CENTURY MID CAP VALUE FUND A |
| BAIRD SHORT TERM BOND FUND |
| BLACKROCK INFLATIONPROTECTION BOND FUND A |
| GOLDMAN SACHS INTERNATIONAL SMALL CAP |
| HARTFORD DIVIDEND AND GROWTH FUND |
| HARDING LOEVNER EMERGING MARKETS FUND |
| LOOMIS SAYLES BOND ADMINISTRATION FUND |
| METROPOLITAN WEST WEST TOTAL RETURN BOND FUND M |
| OAKMARK INTERNATIONAL I FUND |
| PRUDENTIAL JENNISON GROWTH FUND Z |
| PRINCIPAL MIDCAP GROWTH |
| CREF CREF STOCK 2 |
| CREF CREF MONEY MARKET |
| CREF CREF SOCIAL CHOICE |
| CREF CREF BOND MARKET |
| CREF CREF GLOBAL EQUITIES |
| CREF CREF GROWTH |
| CREF CREF EQUITY INDEX |
| CREF CREF INFLATION LINKED BOND |
| TIAA REAL ESTATE |
| TIAA TRADITIONAL BENEFIT RESPONSIVE |
| TIAA TRADITIONAL NONBENEFIT RESPONSIVE 2 |
Investment model portfolios
We provide two types of investment model portfolios for THE PINGRY CORPORATION DEFINED CONTRIBUTION 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 THE PINGRY CORPORATION DEFINED CONTRIBUTION PLAN