Investment options of NORTH MEMORIAL HEALTH CARE 401K PLAN
Total Available Funds: 29
| Investment Description |
|---|
| VANGUARD VANGUARD INSTITUTIONAL INDEX I |
| T. ROWE PRICE T. ROWE PRICE LARGE CAP GROWTH I |
| DODGE & COX DODGE & COX BALANCED FUND - I |
| VANGUARD VANGUARD WINDOSR II FUND - ADMIRAL |
| AMG AMG TIMESSQUARE MID CAP GROWTH N |
| GOLDMAN SACHS GOLDMAN SACHS SMALL CAP VALUE - INSTL |
| VANGUARD VANGUARD TOTAL BOND MARKET INDEX INST |
| AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC GROWTH R5E |
| WESTERN ASSET WESTERN ASSET CORE PLUS BOND I |
| LOOMIS SAYLES LOOMIS SAYLES SMALL CAP GROWTH INSTL |
| DODGE & COX DODGE & COX INTERNATIONAL STOCK |
| JOHN HANCOCK JHANCOCK DISCIPLINED VALUE MID CAP I |
| VANGUARD VANGUARD TOTAL INTL STOCK INDEX I |
| VANGUARD VANGUARD EXTENDED MARKET IDX I |
| VANGUARD VANGUARD BALANCED INDEX FUND - INSTL |
| T. ROWE PRICE T. ROWE PRICE INTERNATIONAL DISCOVERY |
| T. ROWE PRICE T. ROWE PRICE RETIREMENT 2050 TRUST F |
| T. ROWE PRICE T. ROWE PRICE RETIREMENT 2045 TRUST F |
| FEDERATED FEDERATED CAPITAL PRESERVATION Y |
| T. ROWE PRICE T. ROWE PRICE RETIREMENT 2040 TRUST F |
| T. ROWE PRICE T. ROWE PRICE RETIREMENT 2030 TRUST F |
| T. ROWE PRICE T. ROWE PRICE RETIREMENT 2025 TRUST F |
| T. ROWE PRICE T. ROWE PRICE RETIREMENT 2055 TRUST F |
| T. ROWE PRICE T. ROWE PRICE RETIREMENT 2035 TRUST F |
| T. ROWE PRICE T. ROWE PRICE RETIREMENT 2020 TRUST F |
| T. ROWE PRICE T. ROWE PRICE RETIREMENT 2060 TRUST F |
| T. ROWE PRICE T. ROWE PRICE RETIREMENT 2015 TRUST F |
| T. ROWE PRICE T. ROWE PRICE RETIREMENT 2010 TRUST F |
| CHARLES SCHWAB INSTL PERSONAL CHOICE RETIREMENT ACCOUNT |
Investment model portfolios
We provide two types of investment model portfolios for NORTH MEMORIAL HEALTH CARE 401K 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 NORTH MEMORIAL HEALTH CARE 401K PLAN