Investment options of UNION JOINTS MULTIPLE EMPLOYER PLAN
Total Available Funds: 25
| Investment Description |
|---|
| American Funds Service Company Registered Investment Company |
| The American Funds Registered Investment Company |
| BlackRock Registered Investment Company |
| Federated Securities Corporation Registered Investment Company |
| Fidelity Investments Registered Investment Company |
| Franklin Templeton Investments Registered Investment Company |
| JP Morgan Funds Registered Investment Company |
| Loomis Sayles Registered Investment Company |
| Principal Funds Inc Registered Investment Company |
| Principal Global Investors Trust Co Collective Trust Prin Lifetime Hyb Inc Cit Z30 |
| Principal Global Investors Trust Co Collective TrustP rin Lifetime Hyb 2020 Cit Z30 |
| Principal Global Investors Trust Co Collective TrustP rin Lifetime Hyb 2025 Cit Z30 |
| Principal Global Investors Trust Co Collective TrustP rin Lifetime Hyb 2030 Cit Z30 |
| Principal Global Investors Trust Co Collective TrustP rin Lifetime Hyb 2035 Cit Z30 |
| Principal Global Investors Trust Co Collective TrustP rin Lifetime Hyb 2040 Cit Z30 |
| Principal Global Investors Trust Co Collective TrustP rin Lifetime Hyb 2045 Cit Z30 |
| Principal Global Investors Trust Co Collective TrustP rin Lifetime Hyb 2050 Cit Z30 |
| Principal Global Investors Trust Co Collective TrustP rin Lifetime Hyb 2055 Cit Z30 |
| Principal Global Investors Trust Co Collective TrustP rin Lifetime Hyb 2060 Cit Z30 |
| Principal Global Investors Trust Co Collective TrustP rin Lifetime Hyb 2065 Cit Z30 |
| Principal Global Investors Trust Co Collective TrustP rin Lifetime Hyb 2070 Cit Z30 |
| Principal Funds Inc PRIN MIDCAP S&P 400 IDX R3 FD Registered Investment Company |
| Principal Funds Inc Prin Smcap S&P 600 Idx R3 Fund Registered Investment Company |
| Principal Funds Inc Principal Bond Mkt Index R3 Fd Registered Investment Company |
| Allianz Global Virtus Nfj Mid-Cap Val I Fd Registered Investment Company |
Investment model portfolios
We provide two types of investment model portfolios for UNION JOINTS MULTIPLE EMPLOYER 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 UNION JOINTS MULTIPLE EMPLOYER PLAN