Investment options of ORANGE COUNTY UROLOGY ASSOCIATES 401(K) PROFIT SHARING PLAN
Total Available Funds: 24
| Investment Description |
|---|
| ALLSPRING SPECIAL MID CAP VALUE FUND |
| AMERICAN FUNDS CAPITAL INCOME BUILDER |
| AMERICAN FUNDS 2020 TARGET DATE RET |
| AMERICAN FUNDS 2030 TARGET DATE RET |
| AMERICAN FUNDS 2040 TARGET DATE RET |
| AMERICAN FUNDS 2050 TARGET DATE RET |
| AMERICAN FUNDS CAP WORLD GROWTH AND INC |
| AMERICAN FUNDS THE GROWTH FUND OF AMERICA |
| AMERICAN FUNDS NEW PERSPECTIVE FUND |
| BARON SMALL CAP FUND RETAIL CLASS |
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND |
| GOLDMAN SACHS SMALL CAP VALUE FUND |
| HARTFORD CAPITAL APPRECIATION FUND |
| LOOMIS SAYLES INV GRADE BOND |
| LORD ABBETT BOND DEBENTURE FUND |
| PRINCIPAL GOVERNMENT & HIGH QUALITY BOND FUND |
| PUTNAM EQUITY INCOME FUND |
| VANGUARD MID CAP GROWTH INV |
| COLUMBIA U. S. GOVERNMENT MORTGAGE |
| SCHWAB BANK SAVINGS MONEY MARKET DEPOSIT ACCOUNT |
| PCRA SELF-DIRECTED BROKERAGE ACCOUNTS |
| J. P. MORGAN SECURITIES SELF-DIRECTED BROKERAGE ACCOUNTS |
| KESTRA INVESTMENT SERVICES, LLC SELF-DIRECTED BROKERAGE ACCOUNTS |
| LPL FINANCIAL SELF-DIRECTED BROKERAGE ACCOUNTS |
Investment model portfolios
We provide two types of investment model portfolios for ORANGE COUNTY UROLOGY ASSOCIATES 401(K) PROFIT SHARING 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 ORANGE COUNTY UROLOGY ASSOCIATES 401(K) PROFIT SHARING PLAN