Investment options of PRACTICE PLUS RETIREMENT PLAN
Total Available Funds: 17
| Investment Description |
|---|
| Charles Schwab Schwab Retirement Government Money Fund; 391,542.85 shares |
| Charles Schwab Schwab Government Money Fund; 23.78 shares |
| Fidelity 500 Index Fund; 13,470.194 shares |
| Fidelity Emerging Markets Index Fund; 35,490.567 shares |
| Janus Janus Henderson Enterprise FD Class T; 166.626 shares |
| Janus Janus Henderson Triton Fund Class N; 22,862.433 shares |
| JP Morgan JP Morgan Emerging Markets Equity Class R6; 11,730.673 shares |
| JP Morgan JP Morgan Large Capital Growth R6; 24,027.973 shares |
| Metropolitan West Metropolitan West Low Duration Bond Class I; 24,384.475 shares |
| MFS Mid Cap Value Fund Class R6; 19,382.073 shares |
| Vanguard Group Vanguard Inflation Protected Securities Fund Institutional; 56,987.936 shares |
| Vanguard Group Vanguard Balanced Index Institutional; 572.599 shares |
| Vanguard Group Vanguard Dividend Growth Fund; 53,830.867 shares |
| Vanguard Group Vanguard Mid-Cap Index Fund Institutional; 6,548.782 shares |
| Vanguard Group Vanguard Small-Cap Index Institutional; 4,146.077 shares |
| Vanguard Group Vanguard International Growth Admiral; 11,635.583 shares |
| Vanguard Group Vanguard International Value; 32,229.367 shares |
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