Investment options of UNITY HEALTH 403(B) RETIREMENT PLAN
Total Available Funds: 27
| Investment Option List |
|---|
| AMERICAN CENTURY SMALL CAP VALUE R6 (IACIX) |
| AMERICAN FUNDS AMERICAN BALANCED R6 (GBLAX) |
| AMERICAN FUNDS US GOVERNMENT SEC R6 (FSUGX) |
| BLACKROCK INF PROTECTED BOND K |
| BLACKROCK LIFEPATH INDEX 2055 K |
| COHEN & STEERS INSTL REALTY SHARES (CSRIX) |
| FIDELITY 500 INDEX |
| FIDELITY BALANCED (FGBLX) |
| GQG PARTNERS EMERGING MARKETS EQUITY R6 (GQGIX) |
| JANUS HENDERSON GLOBAL EQUITY INC N |
| JPMORGAN LARGE CAP GROWTH R6 (SEEGX) |
| JPMORGAN MID CAP GROWTH R6 |
| JPMORGAN SMALL CAP EQUITY R6 (VSEIX) |
| JPMORGAN SMALL CAP GROWTH R6 (JISGX) |
| MFS INTL DIVERSIFICATION R6 |
| MORGAN STANLEY INST INTL ADVTG I |
| PRUDENTIAL PGIM GLOBAL TOTAL RETURN R6 (PZTRX) |
| PRUDENTIAL PGIM TOTAL RETURN BOND Z |
| STATE STREET INSTL US GOVT MONEY MKT PREMIER (GOVT) |
| T. ROWE PRICE MID CAP VALUE |
| VANGUARD DIVIDEND GROWTH (VDIGX) |
| VANGUARD DEVELOPED MKT INDEX ADM |
| VANGUARD EQUITY INCOME ADM (VEIPX) |
| VANGUARD MID CAP INDEX ADM |
| VANGUARD MID CAP VALUE INDEX ADM |
| VANGUARD SHORT TERM INV GRADE ADM |
| VANGUARD SMALL CAP INDEX ADM |
Investment model portfolios
We provide two types of investment model portfolios for UNITY HEALTH 403(B) 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 UNITY HEALTH 403(B) RETIREMENT PLAN