Investment options of XENIUM 401(K) RETIREMENT SAVINGS PLAN
Total Available Funds: 46
| Investment Description |
|---|
| PRINCIPAL GUARANTEED INTEREST ACCT |
| PRINCIPAL MORLEY STABLE VALUE VI FUND |
| PRINCIPAL PRINCIPAL STABLE VALUE FUND |
| PRINCIPAL BOND AND MORTGAGE |
| PRINCIPAL US PROPERTY |
| PRINCIPAL TRUST INCOME FUND |
| PRINCIPAL TRUST TARGET 2010 |
| PRINCIPAL TRUST TARGET 2020 |
| PRINCIPAL TRUST TARGET 2030 |
| PRINCIPAL TRUST TARGET 2040 |
| PRINCIPAL TRUST TARGET 2050 |
| PRINCIPAL TRUST TARGET 2060 |
| PRINCIPAL LARGE CAP GROWTH I |
| PRINCIPAL LARGE CAP S&P 500 INDEX |
| PRINCIPAL MID CAP S&P 400 INDEX |
| PRINCIPAL SMALL CAP S&P 600 INDEX |
| PRINCIPAL PRINCIPAL FINANCIAL GROUP, INC |
| FIDELITY GOVERNMENT INCOME FUND |
| PGIM PGIM TOTAL RETURN BOND R6 FUND |
| AMERICAN FUNDS AMERCIAN FUNDS WASHINGTON MUTUAL INVESTORS FUND |
| AMERICAN FUNDS AMERICAN CENTURY SMALL CAP VALUE FUND CLASS R6 |
| AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC GROWTH R6 FUND |
| AMERICAN FUNDS AMERICAN FUNDS WASHINGTON MUTUAL R4 |
| AMERICAN FUNDS AMERICAN CENTRY SMALL CAP VALUE FUND |
| MFS MFS VALUE FUND CLASS R6 |
| MFS MFS INTERNATIONAL NEW DISCOVERY FUND R6 |
| MFS MFS VALUE R3 FUND |
| MFS MFS INTERNATIONAL NEW DISCOUVERY |
| ALLIANZ GLOBAL VIRTUS NFJ MID-CAP VALUE FUND CLASS R6 |
| CONESTOGA SMALL CAP INVESTORS FUND |
| IVY INVESTMENTS DELAWARE IVY MID CAP GROWTH FUND CLASS R6 |
| DIMENSIONAL FUND ADV DFA INTERNATIONAL SUSTAINABILITY CORE 1 PORTFOLIO |
| TIAA INVESTMENTS TIAA- CREF CORE IMPACT BOND FUND INSTITUTIONAL |
| TIAA INVESTMENTS TIAA- CREF SOCIAL CHOICE EQUITY INSTITUTIONAL FUND |
| PERSHING PARTICIPANT DIRECTED BROKERAGE ACCOUNTS |
| VANGUARD VANGUARD TGT RMT INC INV FUND |
| VANGUARD VANGUARD TGT RMT 2025 INV FUND |
| VANGUARD VANGUARD TGT RMT 2030 INV FUND |
| VANGUARD VANGUARD TGT RMT 2035 INV FUND |
| VANGUARD VANGUARD TGT RMT 2040 INV FUND |
| VANGUARD VANGUARD TGT RMT 2045 INV FUND |
| VANGUARD VANGUARD TGT RMT 2050 INV FUND |
| VANGUARD VANGUARD TGT RMT 2055 INV FUND |
| VANGUARD VANGUARD TGT RMT 2060 INV FUND |
| VANGUARD VANGUARD TGT RMT 2065 INV FUND |
| VANGUARD VANGUARD TGT RMT 2070 INV FUND |
Investment model portfolios
We provide two types of investment model portfolios for XENIUM 401(K) 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 XENIUM 401(K) RETIREMENT SAVINGS PLAN