Investment options of FAMILY HEALTHCARE ASSOCIATES RETIREMENT PLAN
Total Available Funds: 21
| Investment Description |
|---|
| AMERICAN FUNDS AMERICAN FUNDS FUNDAMENTAL INVESTORS |
| AMERICAN FUNDS AMERICAN FUNDS CAPITAL WORLD G/I R6 |
| AMERICAN FUNDS INC FUND OF AMER R6 |
| BAIRD CORE PLUS BOND INST |
| BROWN CAPITAL MGMT SMALL CO INSTL |
| FIDELITY 500 INDEX FUND PREMIUM CLASS |
| FIDELITY BALANCED N/R |
| FIDELITY INVESTMENTS FIDELITY MID CAP VALUE INDEX |
| FIDELITY INVESTMENTS FIDELITY LOW-PRICED STOCK |
| FIDELITY INVESTMENTS FIDELITY REAL ESTATE INVESTMENT PORT |
| FIDELITY INVESTMENTS FIDELITY SMALL CAP VALUE INDEX |
| FIDELITY INVESTMENTS FIDELITY SPARTAN US BOND INDEX FD ADVTG |
| OPPENHEIMER FUNDS OPPENHEIMER INTERNATIONAL DIVERSIFIED Y N/R |
| PIMCO PIMCO REAL RETURN FUND CLASS A |
| RELIEANCE TRUST COMPANY RELIANCE TRUST NEW YORK LIFE AA CL 0 |
| VANGUARD EQUITY-INCOME ADM |
| WILMINGTON TRUST, N. A. AB US LG CP GR CIT W |
| WILMINGTON TRUST FIDUCIARY SERVICES FLEXPATH INDEX+ AGGRESSIVE 2025 FUND I1 |
| WILMINGTON TRUST FIDUCIARY SERVICES FLEXPATH INDEX+ CONSERVATIVE 2025 FUND I1 |
| WILMINGTON TRUST FIDUCIARY SERVICES FLEXPATH INDEX+ MODERATE 2025 FUND I1 |
| WILMINGTON TRUST, N. A. US LARGE CAP VALUE PORTFOLIO |
Investment model portfolios
We provide two types of investment model portfolios for FAMILY HEALTHCARE ASSOCIATES 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 FAMILY HEALTHCARE ASSOCIATES RETIREMENT PLAN