Investment options of PFCU 401(K) SAVINGS PLAN
Total Available Funds: 27
| Investment Description |
|---|
| John Hancock Trust Company American Funds EuroPacific Growth Fund R6 |
| American Funds Growth Fund of America R6 |
| DFA International Value Portfolio Institutional |
| DFA US Targeted Value Prt I |
| John Hancock 2015 Lifetime Blend R6 |
| John Hancock 2025 Lifetime Blend R6 |
| John Hancock 2030 Lifetime Blend R6 |
| John Hancock 2035 Lifetime Blend R6 |
| John Hancock 2040 Lifetime Blend R6 |
| John Hancock 2045 Lifetime Blend R6 |
| John Hancock 2050 Lifetime Blend R6 |
| John Hancock 2055 Lifetime Blend R6 |
| John Hancock 2060 Lifetime Blend R6 |
| John Hancock 2065 Lifetime Blend R6 |
| John Hancock Mid Cap Growth R6 |
| John Hancock Multimanager Lifestyle Aggressive R6 |
| JPMorgan US Equity Fund R6 |
| Oakmark Fund Institutional |
| T. Rowe Price Blue Chip Growth Fund I |
| T. Rowe Price Equity Income Fund I |
| Vanguard 500 Index Fund Admiral |
| Vanguard Mid Cap Index Admiral |
| Vanguard Mid Cap Value Index Admiral |
| Vanguard Small Growth Admiral |
| Vanguard Small Cap Value Index Admiral |
| Value Fund R6 |
| ranging from 4.25 to 9.50 percent – |
Investment model portfolios
We provide two types of investment model portfolios for PFCU 401(K) 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 PFCU 401(K) SAVINGS PLAN