Investment options of THE ESSENTIAL ACCESS HEALTH EMPLOYEE RETIREMENT PLAN
Total Available Funds: 32
| Investment Description |
|---|
| AF BOND FD AMER R6 MUTUAL FUND |
| BUFFALO DISCOVERY MUTUAL FUND 2 |
| ARIEL APPRECIATION MUTUAL FUND |
| AB SM CAP GRTH Z MUTUAL FUND |
| COL EMRG MKT I3 MUTUAL FUND |
| AS SPL SM CP VAL ADM MUTUAL FUND |
| TRP RETIRE 2015 ADV MUTUAL FUND 1 |
| TRP RETIRE 2025 ADV MUTUAL FUND 7 |
| TRP RETIRE 2035 ADV MUTUAL FUND |
| TRP RETIRE 2045 ADV MUTUAL FUND 2 |
| TRP RETIRE 2050 ADV MUTUAL FUND 8 |
| TRP RETIRE 2055 ADV MUTUAL FUND 3 |
| DODGE & COX STOCK MUTUAL FUND |
| MFS MID CAP VALUE R6 MUTUAL FUND |
| BNYM S/MD CP GR Y MUTUAL FUND 4 |
| TRP RETIRE 2010 ADV MUTUAL FUND 1 |
| TRP RETIRE 2020 ADV MUTUAL FUND 3 |
| TRP RETIRE 2030 ADV MUTUAL FUND |
| TRP RETIRE 2040 ADV MUTUAL FUND 8 |
| TRP RETIRE 2060 ADV MUTUAL FUND |
| FIDELITY OVERSEAS MUTUAL FUND 6 |
| FIDELITY REAL ESTATE INVS MUTUAL FUND 1 |
| FIDELITY BALANCED MUTUAL FUND 4 |
| FIDELITY BLUE CHIP GR MUTUAL FUND 1 |
| FIDELITY LARGE CAP STOCK MUTUAL FUND |
| FIDELITY LC VAL ENH INDX MUTUAL FUND |
| FIDELITY SM CAP ENH INDX MUTUAL FUND |
| FIDELITY US BOND IDX MUTUAL FUND 1 |
| FIDELITY 500 INDEX MUTUAL FUND 2 |
| FIDELITY MID CAP IDX MUTUAL FUND |
| FIDELITY TOTAL MKT IDX MUTUAL FUND 1 |
| FIDELITY INTL INDEX MUTUAL FUND |
Investment model portfolios
We provide two types of investment model portfolios for THE ESSENTIAL ACCESS HEALTH EMPLOYEE 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 THE ESSENTIAL ACCESS HEALTH EMPLOYEE RETIREMENT PLAN