Investment options of BAYCARE CLINIC 401(K) RETIREMENT SAVINGS PLAN
Total Available Funds: 32
| Investment Description |
|---|
| ASSOCIATED ASSOCIATED CONSERVATIVE BALANCED LIFESTAGE |
| ASSOCIATED ASSOCIATED GROWTH LIFESTAGE |
| ASSOCIATED ASSOCIATED MONEY MARKET |
| ASSOCIATED ASSOCIATED CORE BOND |
| ASSOCIATED ASSOCIATED CONSERVIVE GROWTH LIFESTAGE |
| ASSOCIATED ASSOCIATED BALANCED LIFESTAGE |
| ASSOCIATED ASSOCIATED GROWTH BALANCED LIFESTAGE |
| ASSOCIATED ASSOCIATED SHORT-TERM BOND |
| VANGUARD VANGUARD INSTITUTIONAL INDEX |
| DODGE & COX DODGE & COX STOCK |
| HARBOR CAPITAL HARBOR CAPITAL APPRECIATION |
| T. ROWE PRICE T ROWE PRICE RETIREMENT 2045 |
| T. ROWE PRICE T ROWE PRICE RETIREMENT 2050 |
| T. ROWE PRICE T ROWE PRICE RETIREMENT 2025 |
| T. ROWE PRICE T ROWE PRICE MID CAP GROWTH |
| T. ROWE PRICE T ROWE PRICE RETIREMENT 2030 |
| T. ROWE PRICE T ROWE PRICE RETIREMENT 2040 |
| T. ROWE PRICE T ROWE PRICE RETIREMENT 2055 |
| T. ROWE PRICE T ROWE PRICE RETIREMENT 2035 |
| JANUS HENDERSON JANUS HENDERSON SMALL CAP VALUE |
| WASATCH WASATCH SMALL CAP GROWTH |
| VANGUARD VANGUARD INTERNATIONAL VALUE |
| T. ROWE PRICE T ROWE PRICE MID CAP VALUE |
| T. ROWE PRICE T ROWE PRICE RETIREMENT 2020 |
| VANGUARD VANGUARD TOTAL INTERNATIONAL STOCK INDEX |
| VANGUARD VANGUARD INFLATION PROTECTED SECURITIES |
| AMERICAN FUNDS AMERICAN FUNDS NEW WORLD |
| VANGUARD VANGUARD EXTENDED MARKET INDEX |
| T. ROWE PRICE T ROWE PRICE RETIREMENT BALANCED |
| T. ROWE PRICE T ROWE PRICE RETIREMENT 2060 |
| T. ROWE PRICE T ROWE PRICE RETIREMENT 2015 |
| TEMPLETON TEMPLETON GLOBAL BOND |
Investment model portfolios
We provide two types of investment model portfolios for BAYCARE CLINIC 401(K) RETIREMENT SAVINGS 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 BAYCARE CLINIC 401(K) RETIREMENT SAVINGS PLAN