Investment options of PCHP 401(K) PLAN
Total Available Funds: 28
| Investment Description |
|---|
| American Funds – 2010 Target Date Retirement Fund 75,988.0906 shares |
| American Funds – 2020 Target Date Retirement Fund 221,345.7958 shares |
| American Funds – 2025 Target Date Retirement Fund 159,585.2883 shares |
| American Funds – 2030 Target Date Retirement Fund 96,878.3283 shares |
| American Funds – 2035 Target Date Retirement Fund 83,005.9752 shares |
| American Funds – 2040 Target Date Retirement Fund 50,350.9945 shares |
| American Funds – 2045 Target Date Retirement Fund 26,223.3950 shares |
| American Funds – 2050 Target Date Retirement Fund 23,908.0449 shares |
| American Funds – 2055 Target Date Retirement Fund 13,467.6198 shares |
| American Funds – 2060 Target Date Retirement Fund 2,331.3148 shares |
| American Funds – 2065 Target Date Retirement Fund 2,664.6840 shares |
| American Funds Cap World Growth and Income 1,770.2153 shares |
| American Funds EuroPacific Growth Fund 3,155.5205 shares |
| DFA Emerging Markets Fund 14,606.5971 shares |
| Dodge & Cox International Stock Fund 1,774.6161 shares |
| Vanguard Small Cap Growth Index Fund 2,189.3432 shares |
| Vanguard Small Cap Index Fund 8,643.0560 shares |
| Vanguard Small Cap Value Index Fund 4,625.0866 shares |
| MFS Mid Cap Value Fund 3,968.5773 shares |
| Vanguard Mid Cap Growth Index Fund 1,489.3436 shares |
| Vanguard Mid Cap Index Fund 1,175.5438 shares |
| MFS Growth Fund 5,088.4448 shares |
| MFS Value Fund 6,117.6699 shares |
| Vanguard 500 Index Fund 836.9135 shares |
| American Funds Balanced Fund 35,918.9638 shares |
| Dodge & Cox Income Fund 9,016.8675 shares |
| Vanguard Intermediate-Term Treasury Fund 3,982.1479 shares |
| SAGIC Diversified Bond II Fixed Annuities units |
Investment model portfolios
We provide two types of investment model portfolios for PCHP 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 PCHP 401(K) PLAN