Investment options of PENTEGRA DEFINED CONTRIBUTION PLAN FOR FINANCIAL INSTITUTIONS
Total Available Funds: 29
| Investment Description |
|---|
| Plan No.: |
| State Street Global Advisors Target Retirement 2030 NL SF Class M |
| State Street Global Advisors S&P MidCap Index NL SF Class M |
| State Street Global Advisors Nasdaq-100 Indx (R) NL SF CLass M |
| State Street Global Advisors Russell LargeCap Growth(R) Indx NL SF CL C |
| State Street Global Advisors Target Retirement 2045 NL SF Class M |
| State Street Global Advisors Target Retirement 2035 NL SF Class M |
| State Street Global Advisors Target Retirement 2025 NL SF Class M |
| State Street Global Advisors Russell Small Cap Index NL SF Class K |
| State Street Global Advisors Target Retirement 2040 NL SF Class M |
| State Street Global Advisors Russell Large Cap Value(R) Indx NL SF CL C |
| State Street Global Advisors International Index Fund NL SF CL C |
| State Street Global Advisors Target Retirement 2050 NL SF Class M |
| State Street Global Advisors Target Retirement Income NL SF Class M |
| State Street Global Advisors Target Retirement 2055 NL SF Class M |
| State Street Global Advisors U.S. Bond Index NL SF Class K |
| State Street Global Advisors Target Retirement 2020 NL SF Class M |
| State Street Global Advisors Target Retirement 2060 NL SF CL M |
| State Street Global Advisors REIT Indx NL SF CL C |
| State Street Global Advisors U.S. Long Govt Bond Indx NL SF CL C |
| State Street Global Advisors U.S. Inflation Pro Bond Indx NL SF CL C |
| State Street Global Advisors Target Retirement 2065 NL SF Class M |
| T. Rowe Price Blue Chip Growth Fund I |
| Principal Global Investors Principal Midcap Fund R-6 |
| American Beacon Funds American Beacon Large Cap Value Fund R6 |
| American Funds EuroPacific Growth Fund R6 |
| MFS Massachusetts Investors Trust R6 |
| BlackRock Advisors, LLC Blackrock Advantage Small Cap Core K |
| Dodge and Cox Dodge and Cox Income Fund X |
Investment model portfolios
We provide two types of investment model portfolios for PENTEGRA DEFINED CONTRIBUTION PLAN FOR FINANCIAL INSTITUTIONS 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 PENTEGRA DEFINED CONTRIBUTION PLAN FOR FINANCIAL INSTITUTIONS