Investment options of SUMMA HEALTH 401(K) RETIREMENT SAVINGS PLAN
Total Available Funds: 32
| Investment Description |
|---|
| FID FREEDOM 2030 K |
| FID BLUE CHIP GR K |
| FID GROWTH CO K |
| FID 500 INDEX |
| FID FREEDOM 2025 K |
| FID FREEDOM 2035 K |
| FID INTL DISCOVERY K |
| FID FREEDOM 2020 K |
| FID TOTAL BOND |
| FID GOVT MMKT MONEY MARKET FUND |
| FID FREEDOM 2040 K |
| FID FREEDOM 2045 K |
| FID GLB EX US IDX |
| PRINCIPAL FIXED ACCT |
| FID LARGE CAP STOCK |
| FID SM CAP DISCOVERY |
| FID CONTRAFUND K |
| FID EXTD MKT IDX |
| FID LOW PRICED STK K |
| FID FREEDOM 2050 K |
| FID FREEDOM 2015 K |
| INVS DIVRS DIVD R5 |
| FID FREEDOM 2010 K |
| FID FREEDOM 2055 K |
| FID US BOND IDX |
| HRDG LVNR IS EMG MKT |
| FID PURITAN K |
| FID FREEDOM INC K |
| BROKERAGELINK SELF-DIRECTED BROKERAGE ACCOUNT |
| FID FREEDOM 2005 K |
| FID FREEDOM 2065 K |
| FID FREEDOM 2060 K |
Investment model portfolios
We provide two types of investment model portfolios for SUMMA HEALTH 401(K) RETIREMENT SAVINGS 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 SUMMA HEALTH 401(K) RETIREMENT SAVINGS PLAN