Investment options of BONE & JOINT CLINIC PROFIT SHARING PLAN AND TRUST
Total Available Funds: 25
| Investment Description |
|---|
| AF U.S. Government Money Mutual Fund |
| AMCAP Fund-R4 Mutual Fund |
| American Balanced Fund-R Mutual Fund |
| American Funds 2010 Target Mutual Fund |
| American Funds 2025 Target Mutual Fund |
| American Funds 2030 Target Mutual Fund |
| American Funds 2035 Target Mutual Fund |
| American Funds 2040 Target Mutual Fund |
| American Funds 2045 Target Mutual Fund |
| American Funds 2050 Target Mutual Fund |
| American Funds 2055 Target Mutual Fund |
| American Funds 2060 Target Mutual Fund |
| American Funds 2065 Target Mutual Fund |
| American High-Income Trumutual Fund |
| Europacific Growth Fund- Mutual Fund |
| Fundamental Investors-R4 Mutual Fund |
| New Perspective Fund-R4 Mutual Fund |
| New World Fund-R4 Mutual Fund |
| Smallcap World Fund-R4 Mutual Fund |
| The Bond Fund of America-Mutual Fund |
| The Growth Fund of Ameri Mutual Fund |
| The Investment Company Omutual Fund |
| The New Economy Fund-R4 Mutual Fund |
| U.S. Government Securities Mutual Fund |
| Washington Mutual Investors Fund-R4 |
Investment model portfolios
We provide two types of investment model portfolios for BONE & JOINT CLINIC PROFIT SHARING PLAN AND TRUST 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 BONE & JOINT CLINIC PROFIT SHARING PLAN AND TRUST