Investment options of CARY ORTHOPAEDIC & SPORTS MEDICINE SPECIALIST, PA 401(K) PROFIT SHARING PLAN
Total Available Funds: 25
| Investment Description |
|---|
| AMERICAN FUNDS 2040 TARGET DATE RETIREMENT FUND R6 |
| AMERICAN FUNDS 2045 TARGET DATE RETIREMENT FUND R6 |
| AMERICAN FUNDS 2035 TARGET DATE RETIREMENT FUND R6 |
| AMERICAN FUNDS 2050 TARGET DATE RETIREMENT FUND R6 |
| AMERICAN FUNDS 2030 TARGET DATE RETIREMENT FUND R6 |
| AMERICAN FUNDS 2025 TARGET DATE RETIREMENT FUND R6 |
| AMERICAN FUNDS 2055 TARGET DATE RETIREMENT FUND R6 |
| BLACKROCK RUSSELL 1000 INDEX R |
| BLACKROCK EQUITY INDEX FUND R |
| BLACKROCK EAFE EQUITY INDEX R |
| BLACKROCK U. S. DEBT INDEX FUND R |
| BLACKROCK MID CAP EQUITY INDEX R |
| BLACKROCK RUSSELL 2000 INDEX R |
| JPMORGAN EQUITY INCOME FUND R6 |
| JPMORGAN SMALL CAP EQUITY FUND CLASS R6 |
| JPMORGAN MID CAP VALUE FUND CLASS L |
| T. ROWE PRICE CAPITAL APPRECIATION |
| VANGUARD INTERNATIONAL GROWTH SHARES |
| VANGUARD REAL ESTATE INDEX SHARES |
| AKRE FOCUS INSTITUTIONAL |
| MORGAN STANLEY INSTITUTIONAL FUND, INC. GROWTH PORTFOLIO I |
| PIMCO INCOME FUND INSTITUTIONAL CLASS |
| EASTERLY GLOBAL REAL ESTATE FUND CLASS I |
| LORD ABBETT SHORT DURATATION INCOME R6 |
| UNDISCOVERED MANAGERS BEHAVIORAL VALUE R6 |
Investment model portfolios
We provide two types of investment model portfolios for CARY ORTHOPAEDIC & SPORTS MEDICINE SPECIALIST, PA 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 CARY ORTHOPAEDIC & SPORTS MEDICINE SPECIALIST, PA 401(K) PROFIT SHARING PLAN