Investment options of PROJECTS UNLIMITED INC. 401(K) PLAN AND TRUST
Total Available Funds: 33
| Investment Option List |
|---|
| Columbia Threadneedle Investments Columbia Mid Cap Index A 3 ,014 (UMVEX) |
| Columbia Threadneedle Investments Columbia Small Cap Index A 3 ,406 |
| John Hancock Disciplined Value Mid Cap R2 1 (JVMRX) |
| JP Morgan JP Morgan Mid Cap Growth Fund 6 ,117 (DGRDX) |
| JP Morgan JP Morgan Equity Index Fund 4 ,525 |
| Invesco Global A 4 ,890 (GADDX) |
| Invesco Developing Market A 2 ,615 |
| American Funds Fundamental Invs R4 6 ,904 |
| MFS Investment MFS Value Fund Class R3 6 ,425 |
| JP Morgan JP Morgan U.S. Small Company A 4 ,264 |
| DWS Asset Management Deutsche Enhanced Commodity Strategy Fund A 7 65 (SKBRX) |
| Fidelity Advisor Growth Opps A 9 (FCIGX) |
| Fidelity Advisor Capital & Income Fund 2 (FHNIX) |
| Fidelity Advisor Strategic Income Fund 1 (FSRIX) |
| Fidelity Advisor International Capital Appreciation Fund 3 ,426 (FCPIX) |
| Fidelity Advisor Diversified International Fund 4 ,866 (FDVIX) |
| Fidelity Advisor Freedom 2010 Fund 1 ,059 (FCIFX) |
| Fidelity Advisor Freedom 2020 Fund 8 8,552 (FDIFX) |
| Fidelity Advisor Freedom 2030 Fund 5 5,336 (FEFIX) |
| Fidelity Advisor Freedom 2040 Fund 2 3,991 (FIFFX) |
| Fidelity Advisor Freedom Income Fund 2 ,395 (FIAFX) |
| Fidelity Advisor New Insights Fund 1 2,372 (FINSX) |
| Fidelity Advisor Freedom 2015 Fund 2 ,439 (FFVIX) |
| Fidelity Advisor Freedom 2025 Fund 1 (FITWX) |
| Fidelity Advisor Freedom 2035 Fund 8 (FITHX) |
| Fidelity Advisor Strategic Dividend Income Fund 6 ,261 (FSIDX) |
| Fidelity Advisor Small Cap Value Fund 1 (FCVIX) |
| Fidelity Advisor Freedom 2045 Fund 6 (FFFIX) |
| Fidelity Advisor Freedom 2050 Fund 7 (FFFPX) |
| Fidelity Advisor Freedom 2055 Fund 3 (FHFCX) |
| Fidelity Advisor Freedom 2060 Fund 1 (FDKPX) |
| Fidelity Advisor Freedom 2065 Fund 1 (FAXDX) |
| Fidelity Advisor Freedom 2070 Fund 1 (FRBJX) |
Investment model portfolios
We provide two types of investment model portfolios for PROJECTS UNLIMITED INC. 401(K) PLAN AND TRUST 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 PROJECTS UNLIMITED INC. 401(K) PLAN AND TRUST