Investment options of POMONA COMMUNITY HEALTH CENTER 403(B) PLAN
Total Available Funds: 34
| Investment Description |
|---|
| BLACKROCK BLACKROCK EMERGING MARKETS FUND |
| FRANKLIN TEMPLETON FRANKLIN SMALL CAP VALUE FUND |
| T. ROWE PRICE T. ROWE PRICE RETIREMENT BALANCED FUND |
| JANUS HENDERSON JANUS HENDERSON TRITON FUND CLASS T |
| VANGUARD VANGUARD TARGET RETIREMENT 2060 FUND INVESTOR SHARES |
| GOLDMAN SACHS GOLDMAN SACHS SMALL/ MID CAP GROWTH FUND INST CLASS |
| VANGUARD VANGUARD 500 INDEX FUND ADMIRAL SHARES |
| VANGUARD VANGUARD MID-CAP INDEX FUND ADMIRAL SHARES |
| VANGUARD VANGUARD SMALL-CAP INDEX FUND ADMIRAL SHARES |
| LORD ABBETT LORD ABBETT DEVELOPING GROWTH FUND |
| FEDERATED HERMES FEDERATED HERMES GOVERNMENT OBLIGATIONS FUND PREMIER SHARES |
| AMERICAN CENTURY AMERICAN CENTURY MID CAP VALUE FUND |
| JPMORGAN JPMORGAN EQUITY INCOME FUND CLASS R5 |
| VANGUARD VANGUARD TARGET RETIREMENT 2065 FUND |
| FRANKLIN TEMPLETON FRANKLIN DYNATECH FUND |
| FIDELITY FIDELITY CONCORD STREET TRUST - FIDELITY INTERNATIONAL INDEX FUND |
| NATIONWIDE NW INVESTOR DESTINATIONS AGGRESSIVE FUND CLASS R6 |
| NATIONWIDE NW INVESTOR DESTINATIONS CONSERVATIVE FUND CLASS R6 |
| NATIONWIDE NW INVESTOR DESTINATIONS MODERATELY CONSERVATIVE FUND CLASS R6 |
| NATIONWIDE NW INVESTOR DESTINATIONS MODERATELY AGGRESSIVE FUND CLASS R6 |
| NATIONWIDE NW INVESTOR DESTINATIONS MODERATE FUND CLASS R6 |
| AMERICAN FUNDS AMERICAN FUNS THE GROWTH FUND OF AMERICA CLASS R-6 |
| BLACKROCK BLACKROCK HEALTH SCIENCES OPPORTUNITIES PORTFOLIO INSTITUTIONAL SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT 2050 FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT 2040 FUND INVESTOR SHARES |
| VANGUARD VANGUARD HEALTH CARE FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT 2035 FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT 2030 FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT 2045 FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT INCOME FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT 2025 FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT 2020 FUND INVESTOR SHARES |
| VANGUARD VANGUARD TARGET RETIREMENT 2055 FUND INVESTOR SHARES |
| FRANKLIN TEMPLETON WESTERN ASSET CORE BOND FUND CLASS I |
Investment model portfolios
We provide two types of investment model portfolios for POMONA COMMUNITY HEALTH CENTER 403(B) 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 POMONA COMMUNITY HEALTH CENTER 403(B) PLAN