Investment options of HEARTLAND CARDIOLOGY, LLC PROFIT SHARING 401(K) PLAN
Total Available Funds: 32
| Investment Description |
|---|
| AM FDS WASH MUT INV R4 FUND |
| AMANA GROWTH INVESTOR FUND |
| AMANA INCOME INVESTOR FUND |
| AMER FDS INC FD OF AMER R4 FD |
| AMER FDS NEW PERSP R4 FD |
| JANUSHENDERSON ENTRPRS A |
| JANUSHENDERSON TRITON A |
| LORD ABBETT INCOME R4 FUND |
| MFS VALUE R4 FUND |
| PIMCO INCOME INSTITUTIONAL FUND |
| T. ROWE PRICE DIV GRTH ADV FD |
| T. ROWE PRICE GRTH STK ADV FND |
| T.ROWE PRICE BL CHIP GR ADV FD |
| PRIN BOND MARKET INDEX SA-R6 |
| PRIN INTL EQUITY INDEX SA-R6 |
| PRIN INTL SMALLCAP SEP ACCT- R6 |
| PRIN LGCAP S& P 500 INDEX SA-R6 |
| PRIN MIDCAP S& P 400 IDX SA-R6 |
| PRIN SMALLCAP VALUE II SA-R6 |
| PRIN SMCAP S& P 600 INDEX SA-R6 |
| PRIN MIDCAP VALUE I SA-R6 |
| PRIN LIFETIME HYBRID 2015 CIT Z |
| PRIN LIFETIME HYBRID 2020 CIT Z |
| PRIN LIFETIME HYBRID 2025 CIT Z |
| PRIN LIFETIME HYBRID 2030 CIT Z |
| PRIN LIFETIME HYBRID 2035 CIT Z |
| PRIN LIFETIME HYBRID 2040 CIT Z |
| PRIN LIFETIME HYBRID 2045 CIT Z |
| PRIN LIFETIME HYBRID 2050 CIT Z |
| PRIN LIFETIME HYBRID 2055 CIT Z |
| PRIN LIFETIME HYBRID 2060 CIT Z |
| PRIN LIFETIME HYBRID 2065 CIT Z |
Investment model portfolios
We provide two types of investment model portfolios for HEARTLAND CARDIOLOGY, LLC PROFIT SHARING 401(K) 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 HEARTLAND CARDIOLOGY, LLC PROFIT SHARING 401(K) PLAN