Investment options of UNITED FIRE PROTECTION CORPORATION 401(K) PLAN
Total Available Funds: 65
| Investment Description |
|---|
| DFA U. S. Core Equity 1 Port in Institutional CL Mutual Fund |
| Pioneer Select Mid Cap Growth Fund CL Y Mutual Fund |
| Vanguard Real Estate Index Fund Admiral Shares Mutual Fund |
| T. Rowe Price Retirement 2030 Fund Mutual Fund |
| Franklin Small Cap Growth Fund CL R6 Mutual Fund |
| Invesco International Small-Mid Company Fund CL R6 Mutual Fund |
| T. Rowe Price Retirement 2025 Fund Mutual Fund |
| DFA U. S. Large Cap Core Portfolio Institutional Class Mutual Fund |
| Vanguard Small Cap Index Fund Admiral Shares Mutual Fund |
| Fidelity Freedom 401(k) Fund Institutional Class Mutual Fund |
| T. Rowe Price Blue Chip Growth Fund Mutual Fund |
| Invesco Balanced Fund CL R6 Mutual Fund |
| Vanguard Total Stock Market Index Fund Admiral Shares Mutual Fund |
| DFA U. S. Large Cap Value Portfolio Institutional Class Mutual Fund |
| Pioneer High Yield Bond Fund CL Y Mutual Fund |
| Fidelity Freedom 401(k) Fund Institutional Class Mutual Fund |
| T. Rowe Price Retirement 2020 Fund Mutual Fund |
| Invesco International Equity Fund CL R6 Mutual Fund |
| Vanguard Total International Stock Market Index Fund Admiral Shares Mutual Fund |
| DFA U. S. Small Cap Portfolio Institutional Class Mutual Fund |
| Pioneer Select Large Cap Growth Fund CL Y Mutual Fund |
| Fidelity Freedom 401(k) Fund Institutional Class Mutual Fund |
| T. Rowe Price Retirement 2015 Fund Mutual Fund |
| Invesco Balanced Fund CL R6 Mutual Fund |
| Vanguard Total Bond Market Index Fund Admiral Shares Mutual Fund |
| DFA U. S. Real Estate Portfolio Institutional Class Mutual Fund |
| Pioneer High Yield Bond Fund CL Y Mutual Fund |
| Fidelity Freedom 401(k) Fund Institutional Class Mutual Fund |
| T. Rowe Price Retirement 2010 Fund Mutual Fund |
| Invesco International Equity Fund CL R6 Mutual Fund |
| Vanguard Total Stock Market Index Fund Admiral Shares Mutual Fund |
| DFA U. S. Large Cap Core Portfolio Institutional Class Mutual Fund |
| Pioneer Select Mid Cap Growth Fund CL Y Mutual Fund |
| Fidelity Freedom 401(k) Fund Institutional Class Mutual Fund |
| T. Rowe Price Retirement 2005 Fund Mutual Fund |
| Invesco Balanced Fund CL R6 Mutual Fund |
| Vanguard Total International Stock Market Index Fund Admiral Shares Mutual Fund |
| DFA U. S. Small Cap Portfolio Institutional Class Mutual Fund |
| Pioneer High Yield Bond Fund CL Y Mutual Fund |
| Fidelity Freedom 401(k) Fund Institutional Class Mutual Fund |
| T. Rowe Price Retirement 2000 Fund Mutual Fund |
| Invesco International Equity Fund CL R6 Mutual Fund |
| Vanguard Total Bond Market Index Fund Admiral Shares Mutual Fund |
| DFA U. S. Real Estate Portfolio Institutional Class Mutual Fund |
| Pioneer Select Large Cap Growth Fund CL Y Mutual Fund |
| Fidelity Freedom 401(k) Fund Institutional Class Mutual Fund |
| T. Rowe Price Retirement 1995 Fund Mutual Fund |
| Invesco Balanced Fund CL R6 Mutual Fund |
| Vanguard Total Stock Market Index Fund Admiral Shares Mutual Fund |
| DFA U. S. Large Cap Core Portfolio Institutional Class Mutual Fund |
| Pioneer Select Mid Cap Growth Fund CL Y Mutual Fund |
| Fidelity Freedom 401(k) Fund Institutional Class Mutual Fund |
| T. Rowe Price Retirement 1990 Fund Mutual Fund |
| Invesco International Equity Fund CL R6 Mutual Fund |
| Vanguard Total International Stock Market Index Fund Admiral Shares Mutual Fund |
| DFA U. S. Small Cap Portfolio Institutional Class Mutual Fund |
| Pioneer High Yield Bond Fund CL Y Mutual Fund |
| Fidelity Freedom 401(k) Fund Institutional Class Mutual Fund |
| T. Rowe Price Retirement 1985 Fund Mutual Fund |
| Invesco Balanced Fund CL R6 Mutual Fund |
| Vanguard Total Bond Market Index Fund Admiral Shares Mutual Fund |
| DFA U. S. Real Estate Portfolio Institutional Class Mutual Fund |
| Pioneer Select Large Cap Growth Fund CL Y Mutual Fund |
| Fidelity Freedom 401(k) Fund Institutional Class Mutual Fund |
| T. Rowe Price Retirement 1980 Fund Mutual Fund |
Investment model portfolios
We provide two types of investment model portfolios for UNITED FIRE PROTECTION CORPORATION 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 UNITED FIRE PROTECTION CORPORATION 401(K) PLAN