Investment options of HOUSTON EAR NOSE & THROAT CLINIC 401(K) PROFIT SHARING PLAN
Total Available Funds: 17
| Investment Description |
|---|
| MFS GLOBAL REAL ESTATE R6 MUTUAL FUND |
| PIMCO RAE US SMALL INSTL MUTUAL FUND |
| FIDELITY SMALL CAP INDEX MUTUAL FUND |
| EMPOWER INVESTMENTS FIXED ACCOUNT - SERIES CLASS I GUARANTEED INTEREST ACCOUNT |
| BLACKROCK DEVELOPED REAL ESTATE 1 COMMON/COLLECTIVE TRUST |
| BLACKROCK EAFE EQUITY INDEX 1 COMMON/COLLECTIVE TRUST |
| BLACKROCK EQUITY INDEX 1 COMMON/COLLECTIVE TRUST |
| BLACKROCK MID-CAP EQUITY INDEX FUND R COMMON/COLLECTIVE TRUST |
| BLACKROCK MSCI ACWI EX-U. S. INDEX R COMMON/COLLECTIVE TRUST |
| BLACKROCK RUSSELL 1000 INDEX 1 COMMON/COLLECTIVE TRUST |
| BLACKROCK RUSSELL 2000 INDEX FUND R COMMON/COLLECTIVE TRUST |
| BLACKROCK U. S. DEBT INDEX 1 COMMON/COLLECTIVE TRUST |
| BLACKROCK U. S. TIPS INDEX 1 COMMON/COLLECTIVE TRUST |
| EMERGING MARKETS FUND CLASS I1 COMMON/COLLECTIVE TRUST |
| FIXED INCOME ALLOCATION I1 COMMON/COLLECTIVE TRUST |
| INDEXSELECT AGGRESSIVE 2045 FUND COMMON/COLLECTIVE TRUST |
| INDEXSELECT AGGRESSIVE 2055 FUND COMMON/CO |
Investment model portfolios
We provide two types of investment model portfolios for HOUSTON EAR NOSE & THROAT CLINIC 401(K) PROFIT SHARING 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 HOUSTON EAR NOSE & THROAT CLINIC 401(K) PROFIT SHARING PLAN