Investment options of PRACTICE PLUS RETIREMENT PLAN
Total Available Funds: 19
| Investment Description |
|---|
| CHARLES SCHWAB SCHWAB RETIREMENT GOVERNMENT MONEY FUND |
| CHARLES SCHWAB SCHWAB GOVERNMENT MONEY FUND |
| FEDERATED FEDERATED TOTAL RETURN BOND FUND INSTITUTIONAL |
| FIDELITY 500 INDEX FUND |
| FIDELITY EMERGING MARKETS INDEX FUND |
| GOLDMAN SACHS GOLDMAN SACHS SMALL-CAP VALUE INSTITUTIONAL |
| JANUS JANUS HENDERSON ENTERPRISE FD CLASS T |
| JANUS JANUS HENDERSON TRITON FUND CLASS N |
| JP MORGAN JP MORGAN EMERGING MARKETS EQUITY CLASS R6 |
| METROPOLITAN WEST METROPOLITAN WEST LOW DURATION BOND CLASS I |
| MFS MFS MID CAP VALUE FUND CLASS R6 |
| MORGAN STANLEY MORGAN STANLEY CAPITAL GROWTH CLASS I |
| VANGUARD GROUP VANGUARD INFLATION PROTECTED SECURITIES FUND INSTITUTIONAL |
| VANGUARD GROUP VANGUARD BALANCED INDEX INSTITUTIONAL |
| VANGUARD GROUP VANGUARD DIVIDEND GROWTH FUND |
| VANGUARD GROUP VANGUARD MID-CAP INDEX FUND INSTITUTIONAL |
| VANGUARD GROUP VANGUARD SMALL-CAP INDEX INSTITUTIONAL |
| VANGUARD GROUP VANGUARD INTERNATIONAL GROWTH ADMIRAL |
| VANGUARD GROUP VANGUARD INTERNATIONAL VALUE |
Investment model portfolios
We provide two types of investment model portfolios for PRACTICE PLUS 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 PRACTICE PLUS RETIREMENT PLAN