Investment options of WATTS ARCHITECTURE & ENGINEERING, D.P.C. RETIREMENT SAVINGS PLAN
Total Available Funds: 32
| Investment Option List |
|---|
| Principal Blue Chip Separate Account-R6 Pooled Separate Account |
| Principal SAM Conservative Growth Separate Account-R6 Pooled Separate Account (SBGPX) |
| Principal Mid Cap Separate Account-R6 Pooled Separate Account |
| Principal LifeTime 2030 Separate Account-R6 Pooled Separate Account (PMTIX) |
| Principal LifeTime 2050 Separate Account-R6 Pooled Separate Account (PPLIX) |
| Principal Small Cap Separate Account-R6 Pooled Separate Account |
| Principal LifeTime 2040 Separate Account-R6 Pooled Separate Account (PTDIX) |
| Principal SAM Balanced Separate Account-R6 Pooled Separate Account (SBBPX) |
| Principal Mid Cap Value I Separate Account-R6 Pooled Separate Account (PVPIX) |
| Principal Core Plus Bond Separate Account-R6 Pooled Separate Account (PCBDX) |
| Principal LifeTime 2060 Separate Account-R6 Pooled Separate Account (PLTBX) |
| Principal Mid Cap Growth III Separate Account-R6 Pooled Separate Account (GMSPX) |
| Principal SAM Conservative Balanced Separate Account-R6 Pooled Separate Account (SBBPX) |
| Principal Government & High Quality Bond Separate Account-R6 Pooled Separate Account (PMRIX) |
| Principal Diversified International Separate Account-R6 Pooled Separate Account |
| Principal Liquid Assets Separate Account-R6 Pooled Separate Account |
| Principal SAM Strategic Growth Separate Account-R6 Pooled Separate Account (SBCAX) |
| Principal LifeTime 2020 Separate Account-R6 Pooled Separate Account (PLWIX) |
| Principal International I Separate Account-R6 Pooled Separate Account |
| Principal Large Cap Value III Separate Account-R6 Pooled Separate Account (DFUVX) |
| Principal Small Cap Growth I Separate Account-R6 Pooled Separate Account (DPSGX) |
| Principal Mid Cap S&P 400 Index Separate Account-R6 Pooled Separate Account (MXMDX) |
| Principal SAM Flexible Income Separate Account-R6 Pooled Separate Account |
| Principal LifeTime Strategic Income Separate Account-R6 Pooled Separate Account (PLSIX) |
| Principal Small Cap Value II Separate Account-R6 Pooled Separate Account |
| Principal LifeTime 2070 Separate Account-R6 Pooled Separate Account (PLTDX) |
| Principal Financial Group Inc. Stock Separate Account-R6 Pooled Separate Account |
| Principal US Property Separate Account-R6 Pooled Separate Account |
| 5 year guaranteed – matures 12/31/28, Interest Rate – 4.38% – 4.44% Guaranteed Interest Account |
| 5 year guaranteed – matures 12/31/27, Interest Rate – 4.18% – 4.36% Guaranteed Interest Account |
| 5 year guaranteed – matures 12/31/24, Interest Rate – .84% – .87% Guaranteed Interest Account |
| 5 year guaranteed – matures 12/31/25, Interest Rate – .13% – .21% Guaranteed Interest Account |
Investment model portfolios
We provide two types of investment model portfolios for WATTS ARCHITECTURE & ENGINEERING, D.P.C. RETIREMENT SAVINGS 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 WATTS ARCHITECTURE & ENGINEERING, D.P.C. RETIREMENT SAVINGS PLAN