Investment options of UPS/IBT LOCAL 2727 401(K) PLAN
Total Available Funds: 27
| Investment Description |
|---|
| Fidelity Investments Treasury Only Institutional Fund |
| Fidelity Balanced K Fund |
| Fidelity U.S. Bond Index Institutional Premium Class Fund |
| Vanguard Inflation Protected Institutional Fund |
| Vanguard Small Cap Index Institutional Plus Fund |
| Vanguard Value Index Institutional Fund |
| Vanguard FTSE All-World ex-US Index Admiral Fund |
| Fidelity Contrafund Commingled Pool Fund |
| Fidelity Freedom Blended Commingled 2010 Q Fund |
| Fidelity Freedom Blended Commingled 2015 Q Fund |
| Fidelity Freedom Blended Commingled 2020 Q Fund |
| Fidelity Freedom Blended Commingled 2025 Q Fund |
| Fidelity Freedom Blended Commingled 2030 Q Fund |
| Fidelity Freedom Blended Commingled 2035 Q Fund |
| Fidelity Freedom Blended Commingled 2040 Q Fund |
| Fidelity Freedom Blended Commingled 2045 Q Fund |
| Fidelity Freedom Blended Commingled 2050 Q Fund |
| Fidelity Freedom Blended Commingled 2055 Q Fund |
| Fidelity Freedom Blended Commingled 2060 Q Fund |
| Fidelity Freedom Blended Commingled 2065 Q Fund |
| Fidelity Freedom Blended Income Q Fund |
| Fidelity OTC Commingled Pool Fund |
| Neuberger Berman Strategic Income Fund |
| Loomis Sayles Core Plus Fixed Income C Fund |
| Spartan 500 Index Pool Class D Fund |
| Spartan Extended Market Index Pool Class D Fund |
| William Blair International Ldrs Collective Investment C Fund |
Investment model portfolios
We provide two types of investment model portfolios for UPS/IBT LOCAL 2727 401(K) 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 UPS/IBT LOCAL 2727 401(K) PLAN