Investment options of CARDIOVASCULAR MEDICINE, P. C. 401(K) PROFIT SHARING PLAN
Total Available Funds: 21
| Investment Description |
|---|
| VANGUARD RETIREMENT SAVINGS TRUST III COMMON COLLECTIVE TRUST |
| AMERICAN FUNDS, BALANCED FUND, CLASS R6 MUTUAL FUND |
| AMERICAN FUNDS, NEW WORLD FUND, CLASS R6 MUTUAL FUND |
| COHEN & STEERS, REALTY INCOME FUND, CLASS I MUTUAL FUND |
| DFA, EMERGING MARKETS CORE EQUITY PORT, INST'L CLASS SHR MUTUAL FUND |
| DFA, US LARGE CAP VALUE PORT, INST'L CLASS SHR MUTUAL FUND |
| EATON VANCE, ATLANTA CAPITAL SMID-CAP FUND, I SHRS MUTUAL FUND |
| OAKMARK, INTERNATIONAL FUND, CLASS INSTITUTIONAL MUTUAL FUND |
| PIMCO, TOTAL RETURN FUND, INST'L CLASS MUTUAL FUND |
| PRIMECAP, ODYSSEY GROWTH FUND MUTUAL FUND |
| T. ROWE PRICE, INTERNATIONAL DISCOVERY, I CLASS MUTUAL FUND |
| UNDISCOVERED MANAGERS, BEHAVIORAL VALUE FUND, CLASS R6 MUTUAL FUND |
| VANGUARD, 500 INDEX FUND, ADMIRAL SHARES MUTUAL FUND |
| VANGUARD, DEVELOPED MARKETS INDEX FUND, ADMIRAL SHARES MUTUAL FUND |
| VANGUARD, FEDERAL MONEY MARKET FUND MUTUAL FUND |
| VANGUARD, LIFESTRATEGY CONSERVATIVE GROWTH FUND MUTUAL FUND |
| VANGUARD, LIFESTRATEGY GROWTH FUND MUTUAL FUND |
| VANGUARD, LIFESTRATEGY INCOME FUND MUTUAL FUND |
| VANGUARD, LIFESTRATEGY MODERATE GROWTH FUND MUTUAL FUND |
| VANGUARD, MID-CAP INDEX FUND, ADMIRAL SHARES MUTUAL FUND |
| VANGUARD, SMALL-CAPE |
Investment model portfolios
We provide two types of investment model portfolios for CARDIOVASCULAR MEDICINE, P. C. 401(K) PROFIT SHARING 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 CARDIOVASCULAR MEDICINE, P. C. 401(K) PROFIT SHARING PLAN