Investment options of ORTHOLONESTAR 401(K) RETIREMENT PLAN
Total Available Funds: 33
| Investment Description |
|---|
| VANGUARD SMALL CAP INDEX INSTITUTIONAL |
| VANGUARD TARGET RET INC INST |
| VANGUARD TARGET RET 2020 INST |
| VANGUARD TARGET RET 2025 INST |
| VANGUARD TARGET RET 2030 INST |
| VANGUARD TARGET RET 2035 INST |
| VANGUARD TARGET RET 2040 INST |
| VANGUARD TARGET RET 2045 INST |
| VANGUARD TARGET RET 2050 INST |
| VANGUARD TARGET RET 2055 INST |
| VANGUARD TARGET RET 2060 INST |
| VANGUARD TARGET RET 2065 INST |
| MONEY MARKET FUND |
| MORLEY STABLE VALUE CI 25-I |
| BAIRD CORE PLUS BOND INST |
| BLACKROCK HIGH YLD BD PRT K |
| DFA INFLATION-PROTECT SECS I |
| FIDELITY US BOND INDEX FD |
| VANGUARD SMALL CAP GROWTH INDEX |
| AB SC GROWTH PORTFOLIO Z |
| FIDELITY ADVISOR BALANCED Z |
| FIDELITY 500 INDEX FD |
| JP MORGAN EQUITY INCOME R6 |
| FIDELITY MID CAP INDEX FUND |
| FIDELITY SM CAP INDEX FUND |
| GOLDMAN SM CAP VAL INSIGHTS R6 |
| JP MORGAN LARGE GROWTH FUND R6 |
| JP MORGAN MID CAP GROWTH R6 |
| JP MORGAN U. S. EQUITY FD R6 |
| MFS MID CAP VALUE FD R6 |
| PRINCIPAL REAL ESTATE SEC INST |
| FIDELITY TOTAL INTL INDEX |
| MFS INSTL DIVERSIFICATION FUND R6 |
Investment model portfolios
We provide two types of investment model portfolios for ORTHOLONESTAR 401(K) 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.
Retirement Plan (401(k)) Info for ORTHOLONESTAR 401(K) RETIREMENT PLAN