Investment options of VALLEY MANAGEMENT, INC. 401(K) PLAN AND TRUST
Total Available Funds: 26
| Investment Option List |
|---|
| Principal Life Fixed Income Guaranteed Option (SCCKX) |
| Principal Life Small Cap Separate Acct N/R |
| Principal Life Diversified International Separate Acct N/R |
| Principal Life U.S. Property Separate Acct N/R |
| Principal Life Income Stock Separate Acct N/R |
| Principal Life Large Cap Growth I Separate Acct N/R (PBAGX) |
| Principal Life Small Cap Value II Separate Acct N/R |
| Principal Life Inflation Prot Separate Acct N/R |
| Principal Life Small Cap Growth I Separate Acct N/R |
| Principal Life Core Plus Bond Separate Acct N/R (PCBDX) |
| Principal Life Mid Cap Value I Separate Acct N/A (IAAEX) |
| Voya Multi-Manager International Small Cap N/R (NAPIX) |
| Goldman Sachs Global Core Fixed Income N/R (GSFIX) |
| Fidelity 500 Index Fund N/R (FUSEX) |
| Fidelity Mid Cap Index Fund N/R (FIIMX) |
| Fidelity Small Cap Index Fund N/R (FSISX) |
| PGIM Jennison Mid Cap Growth Fund N/R (PEGEX) |
| Fidelity International Index Fund N/R (FDIVX) |
| MFS Value A Fund N/R (MINIX) |
| flexPATH Strategies RetirePilot Aggressive 2065 Fund N/R |
| flexPATH Strategies RetirePilot Moderate 2035 Fund N/R |
| flexPATH Strategies RetirePilot Moderate 2045 Fund N/R |
| flexPATH Strategies RetirePilot Moderate 2055 Fund N/R |
| flexPATH Strategies RetirePilot Moderate 2065 Fund N/R |
| flexPATH Strategies RetirePilot Moderate Retirement Fund N/R |
| Principal Life Guaranteed Interest Account N/R |
Investment model portfolios
We provide two types of investment model portfolios for VALLEY MANAGEMENT, 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 VALLEY MANAGEMENT, INC. 401(K) PLAN AND TRUST