Investment options of NORTHERN MEDICAL GROUP, PLLC RETIREMENT SAVINGS PLAN
Total Available Funds: 37
| Investment Description |
|---|
| VANGUARD INDUSTRIALS INDEX ADMIRAL MUTUAL FUND |
| AMERICAN FUNDS NEW WORLD R6 MUTUAL FUND |
| VANGUARD MID CAP INDEX ADMIRAL MUTUAL FUND |
| VANGUARD 500 INDEX FUND ADMIRAL MUTUAL FUND |
| VANGUARD FTSE ALL WORLD EX US INDEX MUTUAL FUND |
| JOHN HANCOCK BOND FUND - R6 MUTUAL FUND |
| VANGUARD TARGET RETIRE INCOME MUTUAL FUND |
| VANGUARD EMERGING MARKETS STOCK INDEX ADMIRAL MUTUAL FUND |
| VANGAURD SMALL CAP INDEX ADMIRAL MUTUAL FUND |
| VANGUARD TARGET RETIRE 2030 FUND MUTUAL FUND |
| TEMPLETON GLOBAL BOND FUND ADMIRAL MUTUAL FUND |
| VANGUARD INFO TECHNOLOGY INDEX FUND ADMIRAL MUTUAL FUND |
| LORD ABBETT SHORT DURATION INCOME FUND MUTUAL FUND |
| VANGUARD SHORT TERM FEDERAL ADMIRAL MUTUAL FUND |
| VANGUARD TOTAL STOCK MARKET ADMIRAL MUTUAL FUND |
| LORD ABBETT HIGH YIELD FUND R MUTUAL FUND |
| VANGUARD EQUITY INCOME FUND ADMIRAL MUTUAL FUND |
| VANGUARD VALUE INDEX FUND ADMIRAL MUTUAL FUND |
| VANGUARD TARGET RETIRE 2045 FUND MUTUAL FUND |
| VANGUARD TARGET RETIRE 2020 FUND MUTUAL FUND |
| VANGUARD REAL ESTATE INDEX ADMIRAL MUTUAL FUND |
| AMERICAN FUNDS EUROPACIFIC GROWTH R6 MUTUAL FUND |
| VANGUARD BALANCED INDEX FUND ADMIRAL MUTUAL FUND |
| VANGUARD TOTAL INTERNATIONAL BOND INDEX ADMIRAL MUTUAL FUND |
| VANGUARD TARGET RETIRE 2035 FUND MUTUAL FUND |
| VANGUARD TARGET RETIRE 2025 FUND MUTUAL FUND |
| MFS INTERNATIONAL DIVERSIFICATION R6 MUTUAL FUND |
| FIRST EAGLE GLOBAL R6 MUTUAL FUND |
| VANGUARD TARGET RETIRE 2055 FUND MUTUAL FUND |
| VANGUARD TARGET RETIRE 2060 FUND MUTUAL FUND |
| VANGUARD FEDERAL MONEY MARKET FUND MUTUAL FUND |
| VANGUARD SMALL CAP INDEX MUTUAL FUND |
| VANGUARD TARGET RETIRE 2050 FUND MUTUAL FUND |
| JP MORGAN US EQUITY FUND R6 MUTUAL FUND |
| VANGUARD STRATEGIC EQUITY FUND MUTUAL FUND |
| VANGUARD TARGET RETIRE 2040 FUND MUTUAL FUND |
| METLIFE RELIANCE STABLE VALUE FUND CLASS |
Investment model portfolios
We provide two types of investment model portfolios for NORTHERN MEDICAL GROUP, PLLC RETIREMENT 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 NORTHERN MEDICAL GROUP, PLLC RETIREMENT SAVINGS PLAN