Investment options of PIEDMONT HEALTHCARE EMPLOYEES' 401K PLAN AND TRUST
Total Available Funds: 25
| Investment Description |
|---|
| EMPOWER INVESTMENTS FIXED ACCOUNT‐ CLASS IV |
| MODERATE FREEDOM 401K CLASS COLLECTIVE TRUST |
| GROWTH FREEDOM 401K CLASS COLLECTIVE TRUST |
| CONSERVATIVE FREEDOM 401K CLASS COLLECTIVE TRUST |
| AGGRESSIVE FREEDOM 401K CLASS COLLECTIVE TRUST |
| INCOME FREEDOM 401K CLASS COLLECTIVE TRUST |
| EAGLE MID CAP GROWTH CIT CLASS 1 COLLECTIVE TRUST |
| MAINSTAY WINSLOW LARGE CAP GROWTH I MUTUAL FUND |
| VANGUARD INSTITUTIONAL INDEX INSTL MUTUAL FUND |
| JPMORGAN EQUITY INCOME R6 MUTUAL FUND |
| AMERICAN FUNDS EUROPACIFIC GR R6 MUTUAL FUND |
| T. ROWE PRICE BALANCED FUND MUTUAL FUND |
| METROPOLITAN WEST TOTAL RETURN BOND I MUTUAL FUND |
| ROYCE SMALL‐CAP TOTAL RETURN INSTL MUTUAL FUND |
| BLACKROCK HEALTH SCIENCES OPPS INSTL MUTUAL FUND |
| LOOMIS SAYLES SMALL CAP GROWTH INSTL MUTUAL FUND |
| VANGUARD TOTAL BOND MARKET INDEX ADMIRAL MUTUAL FUND |
| COLUMBIA SELIGMAN TECH & INFORMATION I3 MUTUAL FUND |
| VANGUARD MID CAP INDEX FUND ‐ ADMIRAL MUTUAL FUND |
| VANGUARD SMALL CAP INDEX ADM MUTUAL FUND |
| JPMORGAN MID CAP VALUE L MUTUAL FUND |
| PRINCIPAL REAL ESTATE SECURITIES FD R‐6 MUTUAL FUND |
| PIMCO COMMODITY REAL RET STRAT INSTL MUTUAL FUND |
| DRIEHAUS EMERGING MARKETS GROWTH INSTL MUTUAL FUND |
| VANGUARD TOTAL INTL STOCK INDEX ADMIRAL MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for PIEDMONT HEALTHCARE EMPLOYEES' 401K PLAN AND TRUST 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 PIEDMONT HEALTHCARE EMPLOYEES' 401K PLAN AND TRUST