Investment options of ASSOCIATES IN NEPHROLOGY, S.C. 401(K) PLAN
Total Available Funds: 30
| Investment Description |
|---|
| American Century Government Bond Fund |
| American Funds Fundamental Investors - R6 |
| American Funds 2015 Target Retirement - R6 |
| American Funds 2020 Target Retirement - R6 |
| American Funds 2025 Target Retirement - R6 |
| American Funds 2030 Target Retirement - R6 |
| American Funds 2035 Target Retirement - R6 |
| American Funds 2040 Target Retirement - R6 |
| American Funds 2045 Target Retirement - R6 |
| American Funds 2050 Target Retirement - R6 |
| American Funds 2055 Target Retirement - R6 |
| American Funds 2060 Target Date - R6 |
| American Funds Balanced R6 |
| American Growth Fund of America - R6 |
| BlackRock Health Sciences |
| Bank of New York Mellon Natural Resources Fund - I |
| Columbia Seligman Communication and Information |
| DoubleLine Core Fixed Income |
| Fidelity MX |
| Franklin Utilities Fund - R6 |
| Goldman Sachs Small Cap Value - R6 |
| Invesco Small Cap Growth - R6 |
| Janus Henderson Growth and Income Fund |
| JP Morgan Small Cap Equity - R6 |
| Mainstay Mackay High Yield Corp - R6 |
| Nuveen Real Estate Securities - R6 |
| Putnam Putnam Stable Value |
| Thornburg International Value R6 |
| Vanguard Mid Cap Index Admiral |
| Vanguard 500 Index - Admiral |
Investment model portfolios
We provide two types of investment model portfolios for ASSOCIATES IN NEPHROLOGY, S.C. 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 ASSOCIATES IN NEPHROLOGY, S.C. 401(K) PLAN