ROCKFORD HEALTH SYSTEM RETIREMENT PLAN Investment Model Portfolios

Investment options of ROCKFORD HEALTH SYSTEM RETIREMENT PLAN

Total Available Funds: 10

Asset Class

Ticker

Description

INTERNATIONAL EQUITY
Foreign Large Blend	FDIVX	Fidelity Investment Trust: Fidelity Diversified International Fund

Others
Aggressive Allocation	FAMRX	Fidelity Charles Street Trust: Fidelity Asset Manager 85%
Equity Energy	FSENX	Fidelity Select Portfolios: Energy Portfolio
Moderate Allocation	FASMX	Fidelity Charles Street Trust: Fidelity Asset Manager 50%
Natural Resources	FFGCX	Fidelity Investment Trust: Fidelity Global Commodity Stock Fund
EQUITY PRECIOUS METALS	FSAGX	Fidelity Select Portfolios: Gold Portfolio
Conservative Allocation	FASIX	Fidelity Charles Street Trust: Fidelity Asset Manager 20%
Target Date 2000-2010	FFFBX	Fidelity Aberdeen Street Trust: Fidelity Freedom 2000 Fund

US EQUITY
LARGE GROWTH	FDCAX	Fidelity Capital Trust: Fidelity Capital Appreciation Fund
LARGE GROWTH	FCNTX	Fidelity Contrafund

Investment model portfolios

We provide two types of investment model portfolios for ROCKFORD HEALTH SYSTEM RETIREMENT 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.

Customize a model portfolio now

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