NORTHWEST COMMUNITY HEALTHCARE EMPLOYEES RETIREMENT PLAN Investment Model Portfolios

Investment options of NORTHWEST COMMUNITY HEALTHCARE EMPLOYEES RETIREMENT PLAN

Total Available Funds: 10

Asset Class

Ticker

Description

FIXED INCOME
Intermediate-Term Bond	FBNDX	Fidelity Salem Street Trust: Fidelity Investment Grade Bond Fund
Intermediate-Term Bond	FTHRX	Fidelity Salem Street Trust: Fidelity Intermediate Bond Fund
Inflation-Protected Bond	FINPX	Fidelity Salem Street Trust: Fidelity Inflation-Protected Bond Fund
Intermediate Government	FSTGX	Fidelity Income Fund: Intermediate Government Income Fund
Bank Loan	FFRHX	Fidelity Advisor Series I: Fidelity Advisor Floating Rate High Income Fund; Fidelity Floating Rt Hi Inc Fd Shs
Intermediate Government	FGMNX	Fidelity Income Fund: Fidelity GNMA Fund
High Yield Bond	FHIFX	Fidelity Summer Street Trust: Fidelity Focused High Income Fund
High Yield Bond	FAGIX	Fidelity Summer Street Trust: Fidelity Capital & Income Fund
High Yield Bond	SPHIX	Fidelity Summer Street Trust: High Income Fund

Others
Retirement Income	FFFAX	Fidelity Aberdeen Street Trust: Fidelity Freedom Income Fund

Investment model portfolios

We provide two types of investment model portfolios for NORTHWEST COMMUNITY HEALTHCARE EMPLOYEES RETIREMENT 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.

Customize a model portfolio now

Retirement Plan (401(k)) Info for NORTHWEST COMMUNITY HEALTHCARE EMPLOYEES RETIREMENT PLAN

NORTHWEST COMMUNITY HEALTHCARE EMPLOYEES' RETIREMENT PLAN

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