GENERA PR SAVING PLAN Investment Options
Available Funds in GENERA PR SAVING PLAN
Below is the lineup of investment options available to participants in GENERA PR SAVING PLAN. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.
When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.
| Investment Description |
|---|
| – Fidelity Spartan US Bond Index Fixed Income |
| – Fidelity L/C Val Idx-Ins Prm Fixed Income |
| 3.784% at December 31, |
| BPPR Bank Deposits Open Account |
| Notes receivable from participants Interest rate of 9.5% |
| BPPR Bank Deposits Open Account 4.903% at December 31, 2023 |
| Bppr Bank Deposit Open Account 27,167.050 SHARES |
| Fidelity Freedom Idx 2020 W 4,590.503 SHARES |
| Fidelity Freedom Idx 2025 W 20,679.920 SHARES |
| Fidelity Fr Indx 2060-Inv 22,300.075 SHARES |
| Fidelity Freedom Idx 2030 W 61,605.237 SHARES |
| Fidelity Freedom Idx 2035 W 109,333.904 SHARES |
| Fidelity Freedom Indx 2055-W 18,150.156 SHARES |
| Fidelity Freedom Idx 2050 W 29,063.278 SHARES |
| Fidelity Freedom Idx 2045 W 67,324.348 SHARES |
| Fidelity Freedom Idx 2040 W 77,299.750 SHARES |
| Fidelity Freedom Index 2065 6,417.994 SHARES |
| Spartan International Index Fund 230.935 SHARES |
| Fidelity Spartan 500 Index 1,756.806 SHARES |
| Fidelity Small Cap Index Instl Prem 336.573 SHARES |
| Fidelity Mid Cap Index Instl Prem 545.565 SHARES |
| Fidelity LC Gr Indx-Ins Prm 2,602.224 SHARES |
| New World Fund R-6 30.478 SHARES |
| ALLSPRING SPECIAL SMALL CAP VALUE 103.624 SHARES |
| AB SMALL CAP GROWTH PORTFOLIO 63.373 SHARES |
| AMERICAN CENTURY MID CAP VALUE 83.923 SHARES |
| MFS MID CAP GROWTH FUND R6 352.747 SHARES |
| FIDELITY SPARTAN US BOND 250.897 SHARES |
| FIDELITY LC VAL IDX-INS PRM 696.319 SHARES |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
How to Build a Smart Portfolio in Your 401(k)
Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:
- Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
- Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
- Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
- Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
- Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.
Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.
Model Asset Allocation Portfolios
Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in GENERA PR SAVING PLAN. See Asset Allocation Portfolio Templates for a detailed guide.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 4.74% | 18.86% | 12.42% | 5.72% | 8.01% | 7.30% | 6.92% | … | … |
| Five Core Asset Portfolio | 4.70% | 18.79% | 12.38% | 5.55% | 7.97% | 7.19% | 6.94% | … | … |
| Three Core Asset Portfolio | 4.57% | 19.80% | 13.11% | 6.19% | 8.52% | 7.64% | 7.10% | … | … |
| Two Core Asset Portfolio | 3.87% | 19.18% | 13.68% | 6.85% | 9.34% | 8.84% | 7.95% | … | … |
| Yale Endowment Template | 5.35% | 17.45% | 11.87% | 5.56% | 8.33% | 7.96% | 7.55% | … | … |
| S&P 500 Index | 5.96% | 30.43% | 21.65% | 12.98% | 15.09% | 13.73% | 10.93% | … | … |
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
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