Investment options of THE PRINCE 401(K) PLAN
Total Available Funds: 28
| Investment Description |
|---|
| BAIRD AGGREGATE BOND FUND CLASS INSTITUTIONAL |
| COLUMBIA DIVIDEND INCOME FUND INSTITUTIONAL CLASS |
| FIDELITY CONTRAFUND |
| FIDELITY EXTENDED MARKET INDEX FUND |
| FIDELITY INTERNATIONAL INDEX FUND |
| FIDELITY US BOND INDEX FUND |
| FIDELITY 500 INDEX FUND |
| JP MORGAN EMERGING MARKETS EQUITY FUND CLASS R6 |
| T. ROWE PRICE OVERSEAS STOCK FUND I CLASS |
| VANGUARD INFLATION-PROTECTED SECURITIES FUND ADMIRAL SHARES |
| VANGUARD STRATEGIC SMALL-CAP EQUITY FUND INVESTOR SHARES |
| VITRUS CEREDEX MID-CAP VALUE EQUITY FUND CLASS I |
| IVY MID CAP GROWTH CIT CLASS C |
| GOLDMAN SACHS STABLE VALUE COLLECTIVE TRUST INSTITUTIONAL SERIES CLASS 1 |
| FIAM BLEND INCOME COMMINGLED POOL CLASS Q |
| FIAM BLEND TARGET DATE 2005 COMMINGLED POOL CLASS Q |
| FIAM BLEND TARGET DATE 2010 COMMINGLED POOL CLASS Q |
| FIAM BLEND TARGET DATE 2015 COMMINGLED POOL CLASS Q |
| FIAM BLEND TARGET DATE 2020 COMMINGLED POOL CLASS Q |
| FIAM BLEND TARGET DATE 2025 COMMINGLED POOL CLASS Q |
| FIAM BLEND TARGET DATE 2030 COMMINGILED POOL CLASS Q |
| FIAM BLEND TARGET DATE 2035 COMMINGLED POOL CLASS Q |
| FIAM BLEND TARGET DATE 2040 COMMINGLED POOL CLASS Q |
| FIAM BLEND TARGET DATE 2045 COMMINGLED POOL CLASS Q |
| FIAM BLEND TARGET DATE 2050 COMMINGLED POOL CLASS Q |
| FIAM BLEND TARGET DATE 2055 COMMINGLED POOL CLASS Q |
| FIAM BLEND TARGET DATE 2060 COMMINGLED POOL CLASS Q |
| FIAM BLEND TARGET DATE 2065 COMMINGLED POOL CLASS Q |
Investment model portfolios
We provide two types of investment model portfolios for THE PRINCE 401(K) 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 PRINCE 401(K) PLAN