Investment options of GALPIN MOTORS, INC. 401(K) PROFIT SHARING PLAN
Total Available Funds: 18
| Investment Description |
|---|
| PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY GUARANTEED INCOME FUND |
| PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY PRUDENTIAL IFX TARGET TARG BAL MID 4 |
| PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY MID CAP GROWTH/ARTISAN PARTNER 3 |
| PRUDENTIAL MUTUAL FUNDS AMERICAN FUNDS NEW WORLD R6 |
| PRUDENTIAL MUTUAL FUNDS TIAA-CREFF LARGE-CAP GROWTH R |
| PRUDENTIAL MUTUAL FUNDS PINONEER BOND FUND Y |
| PRUDENTIAL MUTUAL FUNDS JP MORGAN US EQUITY CLASS A |
| PRUDENTIAL MUTUAL FUNDS VICTORY ESTABLISHED VALUE 2 |
| PRUDENTIAL MUTUAL FUNDS ALLSPRING SPECIAL SMALL CAP VAL INST |
| PRUDENTIAL MUTUAL FUNDS PUTNAM LARGE CAP VALUE R6 |
| PRUDENTIAL MUTUAL FUNDS AMERICAN EUROPACIFIC GROWTH R6 |
| PRUDENTIAL MUTUAL FUNDS AMERICAN MUTUAL FUND CLASS R-6 |
| PRUDENTIAL MUTUAL FUNDS BRANDYWINEGLOBAL - GLOBAL OPPORTUNITIES 1 |
| PRUDENTIAL MUTUAL FUNDS COHEN & STEERS REALTY FUND 2 |
| PRUDENTIAL MUTUAL FUNDS T ROWE PRICE NEW HORIZONS 2 |
| BLACKROCK EQUITY DIVIDEND 2 |
| BLACKROCK RUSS 2000 IDX R |
| BLACKROCK MID CAP EQUITY IND FUND CLR |
Investment model portfolios
We provide two types of investment model portfolios for GALPIN MOTORS, INC. 401(K) PROFIT SHARING 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 GALPIN MOTORS, INC. 401(K) PROFIT SHARING PLAN