Investment options of UPS/IPA 401(k) Savings Plan
Total Available Funds: 34
| Investment Option List |
|---|
| Fidelity Puritan K Fund (FPURX) |
| Fidelity U.S. Bond Index Institutional Premium Fund |
| PIMCO Income Institutional Fund (PFIIX) |
| Segall Bryant & Hamill Small Cap Value Fund (SBHVX) |
| Cohen & Steers Institutional Realty Shares Fund (CSRIX) |
| Janus Enterprise N Fund (JMGRX) |
| JP Morgan Core Bond Fund |
| T. Rowe Price International Discovery Fund (PRIDX) |
| T. Rowe Price New Asia Fund (ASIA) |
| Vanguard Inflation Protected Institutional Fund (VIPSX) |
| Vanguard Small Cap Index Institutional Plus Fund |
| Vanguard Small Cap Value Index Institutional Fund |
| Vanguard Mid Cap Value Index l Admiral Shares Fund |
| Vanguard Value Index Institutional Fund |
| ClearBridge CB Small Cap GR R2 Fund (SBPYX) |
| Fidelity Contrafund Comingled Pool Fund (FCNTX) |
| Fidelity OTC Commingled Pool Fund (FOCPX) |
| Spartan 500 Index Pool Class D Fund |
| Spartan Extended Market Index Pool Class D Fund |
| Spartan International Index D Fund |
| T. Rowe Price Retirement 2005 Fund (TRRFX) |
| T. Rowe Price Retirement 2010 Fund (TRRAX) |
| T. Rowe Price Retirement 2015 Fund (TRRGX) |
| T. Rowe Price Retirement 2020 Fund (TRRBX) |
| T. Rowe Price Retirement 2025 Fund (TRRHX) |
| T. Rowe Price Retirement 2030 Fund (TRRCX) |
| T. Rowe Price Retirement 2035 Fund (TRRJX) |
| T. Rowe Price Retirement 2040 Fund (TRRDX) |
| T. Rowe Price Retirement 2045 Fund (TRRKX) |
| T. Rowe Price Retirement 2050 Fund (TRRMX) |
| T. Rowe Price Retirement 2055 Fund (TRRNX) |
| T. Rowe Price Retirement 2060 Fund (TRPLX) |
| T. Rowe Price Retirement 2065 Fund (TRSJX) |
| T. Rowe Price Retirement Balance fund (TRRFX) |
Investment model portfolios
We provide two types of investment model portfolios for UPS/IPA 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 UPS/IPA 401(k) Savings Plan