Investment options of NEW ENGLAND BAPTIST HOSPITAL 403(B) PLAN
Total Available Funds: 15
| Investment Description |
|---|
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2030 K FUND |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2025 K FUND |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2040 K FUND |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2005 K FUND |
| STATE STREET GLOBAL ADVISORS TRUST STATE STREET U. S. EQUITY RISK CONTROL INDEX FUND |
| VANGUARD VANGUARD TOTAL STOCK MARKET INDEX FUND |
| VANGUARD VANGUARD SMALL-CAP 600 INDEX FUND |
| VANGUARD VANGUARD MID-CAP 400 INDEX FUND |
| ALLSPRING GLOBAL INVESTMENTS ALLSPRING CORE PLUS BOND FUND CLASS A |
| AMERICAN CENTURY AMERICAN CENTURY INCOME AND GROWTH FUND |
| CLEARBRIDGE CLEARBRIDGE LARGE CAP GROWTH FUND CLASS A |
| LORD ABBETT LORD ABBETT MID CAP STOCK FUND CLASS P |
| JPMORGAN JPMORGAN SMART RETIREMENT 2045 A |
| ALLSPRING GLOBAL INVESTMENTS ALLSPRING SMALL COMPANY VALUE FUND CLASS A |
| WESTERN ASSET MANAGEMENT COMPANY WESTERN ASSET HIGH YIELD CLASS A |
Investment model portfolios
We provide two types of investment model portfolios for NEW ENGLAND BAPTIST HOSPITAL 403(B) 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 NEW ENGLAND BAPTIST HOSPITAL 403(B) PLAN