Investment options of MAINEGENERAL HEALTH 403(B) TAX SHELTERED ANNUITY PLAN
Total Available Funds: 27
| Investment Description |
|---|
| Vanguard Institutional Target Retirement Income Mutual Fund |
| Vanguard Short Term Investment Grade Investment Mutual Fund |
| Vanguard Small Cap Index Admiral Mutual Fund |
| Vanguard US Growth Investor Mutual Fund |
| Wasatch Funds Emerging Markets Small Cap Investor Mutual Fund |
| Wasatch Funds Micro Cap Investor Mutual Fund |
| TDAM FDIC Insured Deposit Account Money Market |
| TB Bank Ameritrade Self-Directed Brokerage Accounts MM & Marketable Securities |
| AB VPS Global Thematic Pooled Separate Accounts |
| AB VPS Large Cap Growth Port Pooled Separate Accounts |
| American Century VP Balanced Pooled Separate Accounts |
| American Funds Growth Fund Pooled Separate Accounts |
| Fidelity Asset Manager Pooled Separate Accounts |
| Fidelity Contra Fund Portfolio Pooled Separate Accounts |
| Fidelity Growth Portfolio Pooled Separate Accounts |
| Fidelity VIP Freedom Target 2030 Pooled Separate Accounts |
| Janus Aspen Worldwide Pooled Separate Accounts |
| Lincoln VIP Growth and Income Pooled Separate Accounts |
| Lincoln VIP Social Awareness Pooled Separate Accounts |
| LVIP Baron Growth Opportunities Pooled Separate Accounts |
| LVIP Janis Cap Appreciation Pooled Separate Accounts |
| LVIP SSGA Global Tactical Pooled Separate Accounts |
| LVIP SSGA Small Cap Index Pooled Separate Accounts |
| LVIP SSGA S&PG 500 Index Pooled Separate Accounts |
| LVIP T. Rowe Price Structured Pooled Separate Accounts |
| Neuberger Berman AMT Partners Pooled Separate Accounts |
| T. Rowe Price International Stock Pooled Separate Accounts |
Investment model portfolios
We provide two types of investment model portfolios for MAINEGENERAL HEALTH 403(B) TAX SHELTERED ANNUITY 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 MAINEGENERAL HEALTH 403(B) TAX SHELTERED ANNUITY PLAN