Investment options of UNITY HEALTH 401(K) PLAN
Total Available Funds: 27
| Investment Option List |
|---|
| VANGUARD FIDUCIARY TRUST CO. TARGET RETIREMENT 2040 (VFORX) |
| VANGUARD FIDUCIARY TRUST CO. TARGET RETIREMENT 2020 (VTWNX) |
| VANGUARD FIDUCIARY TRUST CO. TARGET RETIREMENT 2030 (VTHRX) |
| VANGUARD FIDUCIARY TRUST CO. TARGET RETIREMENT 2035 (VTTHX) |
| VANGUARD FIDUCIARY TRUST CO. TARGET RETIREMENT 2025 (VTTVX) |
| VANGUARD FIDUCIARY TRUST CO. TARGET RETIREMENT 2045 (VTIVX) |
| VANGUARD FIDUCIARY TRUST CO. TARGET RETIREMENT 2050 (VFIFX) |
| VANGUARD FIDUCIARY TRUST CO. TARGET RETIREMENT INCOME (VTINX) |
| VANGUARD FIDUCIARY TRUST CO. TARGET RETIREMENT 2055 (VFFVX) |
| VANGUARD FIDUCIARY TRUST CO. TARGET RETIREMENT 2060 (VTTSX) |
| VANGUARD FIDUCIARY TRUST CO. TARGET RETIREMENT 2065 (VSXFX) |
| SCHWAB S&P 500 INDEX FUND (ISLCX) |
| VANGUARD GROWTH INDEX FUND (VQNPX) |
| VANGUARD VALUE INDEX FUND (VTRIX) |
| SCHWAB INTERNATIONAL INDEX FUND (SWINX) |
| FIDELITY MID CAP INDEX FUND (FIIMX) |
| FIDELITY US BOND INDEX FUND (FSHBX) |
| VANGUARD SMALL CAP VALUE INDEX FUND (VISVX) |
| VANGUARD MID-AMP; GROWTH INDEX FUND (VMGIX) |
| FIDELITY SMALL CAP INDEX FUND (FSISX) |
| FIDELITY EMERGING MARKETS INDEX FUND (FMKIX) |
| VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND (VSCSX) |
| SCHWAB FUNDAMENTAL INT'NAL SMALL COMPANY INDEX FUND (SFILX) |
| VANGUARD MID-AMP; VALUE INDEX FUND (VMVIX) |
| VANGUARD REAL ESTATE INDEX FUND (VGXRX) |
| VANGUARD SMALL-AMP; GROWTH INDEX FUND (VISGX) |
| SCHWAB TREASURY INFLATION PROTECTED SECURITIES INDEX FUND (SWRSX) |
Investment model portfolios
We provide two types of investment model portfolios for UNITY HEALTH 401(K) 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 UNITY HEALTH 401(K) PLAN