Investment options of EMBARK VETERINARY RETIREMENT PLAN
Total Available Funds: 30
| Investment Description |
|---|
| AB Sustainable Global Thematic Fund 205.1890 shares |
| Principal Blue Chip Fund 652.5840 shares |
| Columbia Small Cap Value Fund 120.7220 shares |
| Black Rock Equity Dividend Fund 1,624.2150 shares |
| AB Small Cap Growth Fund 181.1740 shares |
| Cohen & Steers Realty Shares Fund 3.1500 shares |
| Black Rock High Yield Bond Fund 597.7870 shares |
| MFS Mid Cap Value Fund 1,988.1950 shares |
| American Funds EuroPacific Growth Fund 470.2020 shares |
| American Funds New World Funds 376.9190 shares |
| Vanguard Consumer Staples Index Fund 174.2300 shares |
| Fidelity US Bond Index Fund 3,970.5010 shares |
| Fidelity 500 Index Fund 5,404.8050 shares |
| Fidelity Mid Cap Index Fund 1,322.7020 shares |
| Fidelity Small Cap Index Fund 3,545.6520 shares |
| Fidelity International Index Fund 4,678.9020 shares |
| Fidelity Freedom Index Income Fund 31,310.5690 shares |
| Fidelity Freedom Index 2035 Fund 14,162.8710 shares |
| Fidelity Freedom Index 2040 Fund 28,163.8940 shares |
| Fidelity Freedom Index 2045 Fund 12,590.7650 shares |
| Fidelity Freedom Index 2050 Fund 53,873.8470 shares |
| Fidelity Freedom Index 2055 Fund 109,037.2370 shares |
| Fidelity Freedom Index 2060 Fund 61,280.3720 shares |
| Fidelity Large Cap Growth Index Fund 4,683.2360 shares |
| Fidelity Large Cap Value Index Fund 10,597.9090 shares |
| Fidelity Short-Term Treasury Bond Index Fund 641.2540 shares |
| Fidelity Mid Cap Growth Index Fund 768.3910 shares |
| Fidelity Mid Cap Value Index Fund 2,221,628.0000 shares |
| Fidelity Small Cap Index Fund 999.4090 shares |
| Fidelity Freedom Index 2065 Fund 14,289.7700 shares |
Investment model portfolios
We provide two types of investment model portfolios for EMBARK VETERINARY RETIREMENT 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 EMBARK VETERINARY RETIREMENT PLAN