Investment options of UBG 401(K) – AGTEGRA
Total Available Funds: 77
| Investment Option List |
|---|
| American Century Investments Emerging Markets R6 (ACADX) |
| American Century Investments Mid Cap Value R6 (IACIX) |
| BlackRock Core Bond K (BFMCX) |
| BlackRock Technologies Opportunities K (PBAIX) |
| Fidelity 500 Index (FUSEX) |
| Fidelity Inflation Protected Bond Index (FINPX) |
| Fidelity Large Cap Growth Index (FSLGX) |
| Fidelity Large Cap Value Index (FSLVX) |
| Fidelity Mid Cap Growth Index (FSMGX) |
| Fidelity Mid Cap Index (FIIMX) |
| Fidelity Mid Cap Value Index (FSMVX) |
| Fidelity Small Cap Growth Index (FCIGX) |
| Fidelity Small Cap Index (FSISX) |
| Fidelity Small Cap Value Index (FCPVX) |
| MFS Intl Diversification R6 (BIIDX) |
| PIMCO Commodities Plus Strategy Inst |
| PIMCO Income Inst (PFLEX) |
| T. Rowe Price Health Sciences (PRHSX) |
| T. Rowe Price New Horizons I (PRNHX) |
| GWI Fixed Account Series Class I |
| BlackRock LifePath Index Retirement S (STLAX) |
| BlackRock LifePath Index 2030 Fund S (STLDX) |
| BlackRock LifePath Index 2035 Fund S (LPJCX) |
| BlackRock LifePath Index 2040 Fund S (STLEX) |
| BlackRock LifePath Index 2045 Fund S (LPHRX) |
| BlackRock LifePath Index 2050 Fund S (LPRFX) |
| BlackRock LifePath Index 2055 Fund S (LEVAX) |
| BlackRock LifePath Index 2060 Fund S (BAPAX) |
| BlackRock LifePath Index 2065 Fund Fee S (LIWAX) |
| BlackRock MSCI ACWI Ex-US Index R (BAJIX) |
| Intellicents Aggressive CIF |
| Intellicents Conservative CIF |
| Intellicents Moderate CIF |
| Intellicents Moderately Aggressive CIF |
| Intellicents Moderately Conservative CIF |
| BlackRock Mid Cap Growth Fund Fee Class R1 (CMGIX) |
| BlackRock Small Cap Value Fund II Fee Class R1 (PNSEX) |
| 1WRTLPS 3,688,586.10 |
| 1W30LPS 2,567,900.75 |
| 1W35LPS 3,680,017.11 |
| 1W40LPS 3,586,608.92 |
| 1W45LPS 3,194,325.32 |
| 1W50LPS 2,578,562.98 |
| 1W55LPS 1,495,095.73 |
| 1W60LPS 1,961,699.47 |
| 1WBRPSX 293,063.28 |
| 1IACIF1 1,369,998.91 |
| 1ICCIF1 1,155,462.30 |
| 1IMCCIF 1,688,699.50 |
| 1IMCIF1 1,490,622.79 |
| 1IMACIF 3,779,906.44 |
| 1AEDMX 334,968.39 |
| 1WTXUSR 1,792,132.28 |
| 1MDIZX 1,570,399.76 |
| 1BTEKX 662,109.55 |
| 1FSRNX 292,575.37 |
| 1PCLIX1 404,273.61 |
| 1PRHSX 11,785.52 |
| 1FSSNX 1,159,084.49 |
| 1FECGX 797,338.56 |
| 1FISVX 337,858.30 |
| 1PRJIX 1,567,388.86 |
| 1SCVFF1 379,486.63 |
| 1AMDVX 267,494.03 |
| 1FIMVX 215,888.43 |
| 1FSMDX 821,808.09 |
| 1FMDGX 596,125.05 |
| 1MCFCR1 1,272,684.98 |
| 1FSPGX 4,168,836.49 |
| 1FLCOX 2,896,214.02 |
| 1FXAIX 3,462,241.30 |
| 1CCBBX 523,716.64 |
| 1WTTRB6 2,061,739.13 |
| 1FIPDX 724,166.56 |
| 1PIMIX 894,210.09 |
| 1GWAQ35 1.450 1,074,968.36 |
| FORFEITURES 5,747.52 |
Investment model portfolios
We provide two types of investment model portfolios for UBG 401(K) – AGTEGRA 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 UBG 401(K) – AGTEGRA