Investment options of HOUSTON METRO UROLOGY, P.A. 401(K) PROFIT SHARING PLAN
Total Available Funds: 31
| Investment Description |
|---|
| PRINCIPAL LIFE INSURANCE COMPANY FIXED INCOME GUARNTEED OPTION |
| PRINCIPAL LIFE INSURANCE COMPANY LIQUID ASSETS |
| PRINCIPAL LIFE INSURANCE COMPANY CORE FIXED INCOME |
| PRINCIPAL LIFE INSURANCE COMPANY LARGECAP S& 500 INDEX |
| PRINCIPAL LIFE INSURANCE COMPANY LARGECAP GROWTH I |
| PRINCIPAL LIFE INSURANCE COMPANY MIDCAP VALUE I |
| PRINCIPAL LIFE INSURANCE COMPANY MIDCAP S& 400 INDEX |
| PRINCIPAL LIFE INSURANCE COMPANY SMALLCAP S& 600 INDEX |
| PRINCIPAL LIFE INSURANCE COMPANY REAL ESTATE SECURITIES |
| PRINCIPAL LIFE INSURANCE COMPANY DIVERSIFIED INTERNATIONAL |
| PRINCIPAL GLOBAL INVESTORS TRUST COMPANY LIFETIME HYBRID INC CIT |
| PRINCIPAL GLOBAL INVESTORS TRUST COMPANY LIFETIME HYBRID 2015 CIT |
| PRINCIPAL GLOBAL INVESTORS TRUST COMPANY LIFETIME HYBRID 2020 CIT |
| PRINCIPAL GLOBAL INVESTORS TRUST COMPANY LIFETIME HYBRID 2025 CIT |
| PRINCIPAL GLOBAL INVESTORS TRUST COMPANY LIFETIME HYBRID 2030 CIT |
| PRINCIPAL GLOBAL INVESTORS TRUST COMPANY LIFETIME HYBRID 2035 CIT |
| PRINCIPAL GLOBAL INVESTORS TRUST COMPANY LIFETIME HYRBID 2040 CIT |
| PRINCIPAL GLOBAL INVESTORS TRUST COMPANY LIFETIME HYBRID 2045 CIT |
| PRINCIPAL GLOBAL INVESTORS TRUST COMPANY LIFETIME HYBRID 2050 CIT |
| PRINCIPAL GLOBAL INVESTORS TRUST COMPANY LIFETIME HYBRID 2055 CIT |
| PRINCIPAL GLOBAL INVESTORS TRUST COMPANY LIFETIME HYBRID 2060 CIT |
| PRINCIPAL GLOBAL INVESTORS TRUST COMPANY LIFETIME HYBRID 2065 CIT |
| BLACKROCK HIGH YIELD BOND K FUND |
| BLACKROCK INFLATION PROTECTED BOND K FUND |
| AMERICAN FUNDS US GOVERNMENT SECURITIES R6 FUND |
| TIAA- CREF LARGE-CAP GROWTH INDEX INSTITUTIONAL FUND |
| VANGUARD VALUE INDEX ADMIN ADMIRAL FUND |
| JANUS HENDERSON ENTERPRISE N FUND |
| JP MORGAN SMALL CAP VALUE R6 FUND |
| AMERICAN FUNDS NEWWORLD R6 |
| VANGUARD EMERGING MARKETS STOCK INDEX ADMIRAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for HOUSTON METRO UROLOGY, P.A. 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 METRO UROLOGY, P.A. 401(K) PROFIT SHARING PLAN