Investment options of MEDICAL ASSOCIATES CLINIC P. C. 401(K) PROFIT SHARING PLAN
Total Available Funds: 31
| Investment Description |
|---|
| VANGUARD REAL ESTATE INDEX FUND |
| VANGUARD SMALL CAP INDEX |
| VANGUARD MID CAP INDEX FD |
| VANGUARD INSTITUTIONAL INDEX |
| AMERICAN EURO PACIFIC GROWTH R6 |
| FIDELITY U. S. BOND INDEX |
| T. ROWE INTERNATIONAL DISCOVERY FUND |
| FIDELITY 500 INDEX FUND |
| VAN TARG RET 2065 TRUST II |
| VAN TARG RET 2040 II |
| VAN TARG RET 2035 II |
| VAN TARG RET 2050 II |
| VAN TARG RET INCOME II |
| VAN TARG RET 2060 II |
| VAN TARG RET 2020 II |
| VAN TARG RET 2025 II |
| VAN TARG RET 2030 II |
| VAN TARG RET 2045 II |
| VAN TARG RET 2055 II |
| IFX INCOME & EQUITY FUND (I) |
| IFX LIFETIME GROWTH FUND (I) |
| IFX LIFETIME GROWTH FUND (S) |
| IFX LIFETIME BALANCED FUND (S) |
| IFX LIFETIME CONSERVATIVE FUND (I) |
| IFX LIFETIME CONSERVATIVE FUND (S) |
| IFX LIFETIME BALANCED FUND (I) |
| IFX LIFETIME AGGRESSIVE GROWTH FUND (I) |
| IFX LIFETIME AGGRESSIVE GROWTH FUND (S) |
| CORE PLUS BOND/PGIM |
| PRUDENTIAL DAY ONE IFC TARGET BALANCE |
| PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY - GUARANTEED INCOME FUND |
Investment model portfolios
We provide two types of investment model portfolios for MEDICAL ASSOCIATES CLINIC P. C. 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 MEDICAL ASSOCIATES CLINIC P. C. 401(K) PROFIT SHARING PLAN