Investment options of MEDICAL SPECIALISTS OF THE PALM BEACHES, INC. 401(K) SAVINGS PLAN
Total Available Funds: 46
| Investment Description |
|---|
| AMERICAN FUNDS AMERICAN BALANCED CLASS R6 |
| VANGUARD 500 INDEX ADMIRAL CLASS |
| AMERICAN FUNDS WASHINGTON MUTUAL INVESTORS CLASS R6 |
| LINCOLN FINANCIAL LINCOLN STABLE VALUE ACCOUNT |
| FIDELITY CONTRAFUND |
| BLACKROCK OPPORTUNITIES CLASS R SHARES |
| VANGUARD INTERNATIONAL GROWTH ADMIRAL SHARES |
| VANGUARD MID CAP INDEX ADMIRAL SHARES |
| INVESCO DIVERSIFIED DIVIDEND CLASS R6 |
| JANUS HENDERSON GLOBAL LIFE SCIENCES CLASS I |
| TRANSAMERICA CAPITAL GROWTH CLASS I |
| AMERITRADE SELF DIRECTED BROKERAGE ACCOUNT |
| PGIM TOTAL RETURN BOND CLASS Z |
| AMERICAN FUNDS EUROPACIFIC GROWTH CLASS R6 |
| BLACKROCK MID CAP GROWTH EQUITY INSTITUTIONAL SHARES |
| STADION TARGETFIT 2040 CONSERVATIVE STRATEGY CLASS 1 |
| VANGUARD SELECTED VALUE INVESTOR SHARES |
| STADION TARGETFIT 2030 CONSERVATIVE STRATEGY CLASS 1 |
| MFS INTERNATIONAL INTRINSIC VALUE CLASS R6 |
| STADION TARGETFIT 2050 CONSERVATIVE STRATEGY CLASS 1 |
| VANGUARD REAL ESTATE INDEX ADMIRAL SHARES |
| CARILLON EAGLE SMALL CAP GROWTH CLASS I |
| STADION TARGETFIT 2020 CONSERVATIVE STRATEGY CLASS 1 |
| BLACKROCK INFLATION PROTECTED BOND INSTITUTIONAL SHARES |
| INVESCO DEVELOPING MARKETS |
| GOLDMAN SACHS CORE FIXED INCOME INSTITUTIONAL CLASS |
| PRIMECAP ODYSSEY STOCK |
| BLACKROCK GLOBAL ALLOCATION INSTITUTIONAL SHARES |
| MFS UTILITIES CLASS R3 |
| DELAWARE FUNDS DELAWARE SMALL CAP VALUE INSTITUTIONAL CLASS |
| JOHN HANCOCK REGIONAL BANK CLASS I |
| INVESCO GLOBAL |
| TIAA CREF SOCIAL CHOICE EQUITY INSTITUTIONAL CLASS |
| LORD ABBETT SHORT DURATION INCOME CLASS I |
| FEDERATED HIGH YIELD TRUST SERVICE SHARES |
| BLACKROCK STRATEGIC INCOME OPPORTUNITIES INSTITUTIONAL SHARES |
| VIRTUS KAR SMALL CAP GROWTH CLASS I |
| PIMCO INCOME CLASSI 2 |
| JP MORGAN EMERGING MARKETS EQUITY CLASS L |
| VANECK INTERNATIONAL INVESTORS GOLD CLASS Y |
| FIDELITY NATURAL RESOURCES |
| FIRSTEAGLE GLOBAL CLASS A |
| DIAMOND HILL LONG SHORT CLASS I |
| VANGUARD ENERGY INVESTOR SHARES |
| STADION TARGETFIT INCOME CONSERVATIVE STRATEGY CLASS 1 |
| AB GLOBAL BOND CLASS I |
Investment model portfolios
We provide two types of investment model portfolios for MEDICAL SPECIALISTS OF THE PALM BEACHES, INC. 401(K) SAVINGS 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 SPECIALISTS OF THE PALM BEACHES, INC. 401(K) SAVINGS PLAN