Investment options of PATRICK DEALER GROUP SAVINGS PLAN
Total Available Funds: 26
| Investment Description |
|---|
| PRINCIPAL GLOBAL INVESTORS TRUST COMPANY PRINCIPAL STABLE VALUE FUND |
| PRINCIPAL LIFETIME HYBRID 2010 CIT Z |
| PRINCIPAL LIFETIME HYBRID 2015 CIT Z |
| PRINCIPAL LIFETIME HYBRID 2020 CIT Z |
| PRINCIPAL LIFETIME HYBRID 2025 CIT Z |
| PRINCIPAL LIFETIME HYBRID 2030 CIT Z |
| PRINCIPAL LIFETIME HYBRID 2035 CIT Z |
| PRINCIPAL LIFETIME HYBRID 2040 CIT Z |
| PRINCIPAL LIFETIME HYBRID 2045 CIT Z |
| PRINCIPAL LIFETIME HYBRID 2050 CIT Z |
| PRINCIPAL LIFETIME HYBRID 2055 CIT Z |
| PRINCIPAL LIFETIME HYBRID INC CIT Z |
| PRINCIPAL LARGECAP S& 500 INDEX SA-Z |
| PRINCIPAL SMALLCAP S& 600 INDEX SA-Z |
| PRINCIPAL MIDCAP S& 400 IDX SA-Z |
| JP MORGAN FUNDS JP MORGAN LARGE CAP GROWTH R6 FUND |
| VANGUARD GROUP VANGUARD VALUE INDEX ADM FUND |
| LEGG MASON CLEARBRIDGE SMALL CAP GROWTH IS FUND |
| NUVEEN NUVEEN REAL EST SECS R6 FUND |
| JP MORGAN FUNDS UNDISC MGRS BEHAV VALUE R6 FUND |
| HARTFORD MUTUAL FUNDS FRANKLIN MUTUAL GLOBAL DISC R6 FUND |
| OPPENHEIMER OPP DEV MARKETS I FUND |
| VANGUARD VANGUARD DEV MARKETS INDEX ADM FUND |
| ALLIANCE BERNSTEIN AB GLOBAL BOND Z FUND |
| PGIM INVESTMENTS PRUDENTIAL HIGH-YIELD R6 FUND |
| PGIM INVESTMENTS PRUDENTIAL TOTAL RET BOND Q FUND |
Investment model portfolios
We provide two types of investment model portfolios for PATRICK DEALER GROUP 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 PATRICK DEALER GROUP SAVINGS PLAN