Investment options of HERITAGE VALLEY HEALTH SYSTEM 401(K) PLAN
Total Available Funds: 35
| Investment Description |
|---|
| MUTUAL FUND FIDELITY 500 INDEX FUND |
| MUTUAL FUND VANGUARD FTSE ALL-WORLD EX-US INDEX FUND |
| MUTUAL FUND VANGUARD EQUITY INCOME ADMIRAL |
| MUTUAL FUND AMERICAN FUNDS GROWTH FUND OF AMERICA R6 |
| MUTUAL FUND VANGUARD MID-CAP GROWTH INDEX ADMIRAL |
| MUTUAL FUND MFS INTERNATIONAL NEW DISCOVERY R6 |
| MUTUAL FUND T ROWE PRICE RETIREMENT I 2045 I |
| MUTUAL FUND T ROWE PRICE RETIREMENT I 2025 I |
| MUTUAL FUND DFA U. S. TARGETED VALUE PORTFOLIO |
| MUTUAL FUND AMERICAN FUNDS EUROPACIFIC GROWTH R6 |
| MUTUAL FUND FIDELITY ADVISOR STRATEGIC INCOME Z |
| MUTUAL FUND DFA EMERGING MARKETS PORTFOLIO INSTITUTIONAL |
| MUTUAL FUND AMERICAN FUNDS AMERICAN BALANCED R6 |
| MUTUAL FUND T ROWE PRICE RETIREMENT I 2050 I |
| MUTUAL FUND T ROWE PRICE RETIREMENT I 2035 I |
| MUTUAL FUND T ROWE PRICE RETIREMENT I 2030 I |
| MUTUAL FUND T ROWE PRICE RETIREMENT I 2040 I |
| MUTUAL FUND VANGUARD S&P MID-CAP 400 VALUE INDEX |
| MUTUAL FUND VANGUARD S&P SMALL-CAP 600 INDEX |
| MUTUAL FUND FIDELITY ADVISOR TOTAL BOND Z |
| MUTUAL FUND T ROWE PRICE RETIREMENT I 2020 I |
| MUTUAL FUND T ROWE PRICE RETIREMENT I 2055 I |
| MUTUAL FUND VANGUARD EXPLORER ADMIRAL |
| MUTUAL FUND VANGUARD S&P MID-CAP 400 INDEX |
| MUTUAL FUND DFA EMERGING MARKETS SMALL-CAP |
| MUTUAL FUND VANGUARD GNMA ADMIRAL |
| MUTUAL FUND T ROWE PRICE RETIREMENT I 2015 I |
| MUTUAL FUND AMERICAN FUNDS CAPITAL INCOME BUILDER R6 |
| MUTUAL FUND AMERICAN CENTURY INFLATION ADJUSTED BOND R6 |
| MUTUAL FUND T ROWE PRICE RETIREMENT I 2005 I |
| MUTUAL FUND T ROWE PRICE RETIREMENT I 2010 I |
| MUTUAL FUND T ROWE PRICE RETIREMENT I 2065 I |
| FULLY BENEFIT RESPONSIVE METLIFE STABLE VALUE FUND |
| SELF-DIRECTED BROKERAGE ACCOUNT AMERITRADE SELF-DIRECTED INVESTMENT FUND |
| SELF-DIRECTED BROKERAGE ACCOUNT AMERITRADE SELF-DIRECTED CASH FUND |
Investment model portfolios
We provide two types of investment model portfolios for HERITAGE VALLEY HEALTH SYSTEM 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 HERITAGE VALLEY HEALTH SYSTEM 401(K) PLAN