Investment options of UPS/IPA DEFINED CONTRIBUTION MONEY PURCHASE PENSION PLAN
Total Available Funds: 36
| Investment Description |
|---|
| FIDELITY INVESTMENTS TREASURY ONLY INSTITUTIONAL FUND |
| FIDELITY EUROPE FUND |
| FIDELITY LIMITED TERM GOVERNMENT FUND |
| FIDELITY PURITAN K FUND |
| FIDELITY U. S. BOND INDEX INSTITUTIONAL PREMIUM FUND |
| PIMCO INCOME INSTITUTIONAL FUND |
| SEGALL BRYANT & HAMILL SMALL CAP VALUE INSTITUTIONAL FUND |
| COHEN & STEERS INSTITUTIONAL REALTY SHARES FUND |
| JANUS ENTERPRISE I FUND |
| OPPENHEIMER DEVELOPING MARKETS FUND |
| T. ROWE PRICE INTERNATIONAL DISCOVERY FUND |
| T. ROWE PRICE NEW ASIA FUND |
| VANGUARD INFLATION PROTECTED INSTITUTIONAL FUND |
| VANGUARD SMALL CAP INDEX INSTITUTIONAL PLUS FUND |
| VANGUARD SMALL CAP VALUE INDEX INSTITUTIONAL FUND |
| VANGUARD MID CAP VALUE INDEX L ADMIRAL SHARES FUND |
| VANGUARD VALUE INDEX INSTITUTIONAL FUND |
| CLEARBRIDGE CB SMALL CAP GR R2 FUND |
| FIDELITY CONTRAFUND COMMINGLED POOL FUND |
| FIDELITY OTC COMMINGLED POOL FUND |
| SPARTAN 500 INDEX POOL CLASS D FUND |
| SPARTAN EXTENDED MARKET INDEX POOL CLASS D FUND |
| SPARTAN INTERNATIONAL INDEX D FUND |
| T. ROWE PRICE RETIREMENT 2005 FUND |
| T. ROWE PRICE RETIREMENT 2010 FUND |
| T. ROWE PRICE RETIREMENT 2015 FUND |
| T. ROWE PRICE RETIREMENT 2020 FUND |
| T. ROWE PRICE RETIREMENT 2025 FUND |
| T. ROWE PRICE RETIREMENT 2030 FUND |
| T. ROWE PRICE RETIREMENT 2035 FUND |
| T. ROWE PRICE RETIREMENT 2040 FUND |
| T. ROWE PRICE RETIREMENT 2045 FUND |
| T. ROWE PRICE RETIREMENT 2050 FUND |
| T. ROWE PRICE RETIREMENT 2055 FUND |
| T. ROWE PRICE RETIREMENT 2060 FUND |
| T. ROWE PRICE RETIREMENT BALANCE FUND |
Investment model portfolios
We provide two types of investment model portfolios for UPS/IPA DEFINED CONTRIBUTION MONEY PURCHASE PENSION 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 UPS/IPA DEFINED CONTRIBUTION MONEY PURCHASE PENSION PLAN