Investment options of CENTRACARE HEALTH SYSTEM 403(B) PLAN
Total Available Funds: 27
| Investment Option List |
|---|
| DFA EMERGING MARKETS CORE EQUITY PORTFOLIO (DAADX) |
| WILLIAM BLAIR SMALL- MID CAP GROWTH (WSMDX) |
| JPMORGAN SMARTRETIREMENT 2020 (JTTIX) |
| JPMORGAN SMARTRETIREMENT 2025 (JNSIX) |
| JPMORGAN SMARTRETIREMENT 2030 (JSMIX) |
| JPMORGAN SMARTRETIREMENT 2035 (SRJIX) |
| JPMORGAN SMARTRETIREMENT 2040 (SMTIX) |
| JPMORGAN SMARTRETIREMENT 2045 (JSAIX) |
| JPMORGAN SMARTRETIREMENT 2050 (JTSIX) |
| JPMORGAN SMARTRETIREMENT 2055 (JFFIX) |
| JPMORGAN SMARTRETIREMENT 2060 (JAKYX) |
| JPMORGAN SMARTRETIREMENT INCOME (JSIIX) |
| VANGUARD TOTAL INTERNATIONAL STOCK INDEX (VGTSX) |
| PIMCO TOTAL RETURN INSTITUTIONAL (IPCSX) |
| PIMCO TOTAL RETURN ESG (PTGAX) |
| VANGUARD FTSE SOCIAL INDEX (VFTNX) |
| JOHN HANCOCK DISCIPLINED VALUE R6 (JVLIX) |
| JOHN HANCOCK DISCIPLINED VALUE INTERNATIONAL R6 (JDIBX) |
| BLACKROCK STRATEGIC INCOME OPPORTUNITIES PORTFOLIO (BSIKX) |
| FIDELITY SMALL CAP DISCOVERY (FSCRX) |
| FIDELITY BALANCED (FGBLX) |
| FIDELITY DIVERSIFIED INTERNATIONAL K6 (FDIVX) |
| FIDELITY GROWTH COMPANY K6 (FDGFX) |
| FIDELITY 500 INDEX (FUSEX) |
| FIDELITY SMALL CAP INDEX (FSISX) |
| FIDELITY US BOND INDEX (FSHBX) |
| VANGUARD FEDERAL MONEY MARKET (VMFXX) |
Investment model portfolios
We provide two types of investment model portfolios for CENTRACARE HEALTH SYSTEM 403(B) 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 CENTRACARE HEALTH SYSTEM 403(B) PLAN