Investment options of WAYNE MEMORIAL DEFINED CONTRIBUTION 403(B) PLAN
Total Available Funds: 45
| Investment Description |
|---|
| Allspring Allspring Core Plus Bond R6 |
| Allspring Allspring Small Company Value Inst |
| American Funds American Balanced Fund R6 |
| American Funds EuroPacific Growth A |
| American Funds EuroPacific Growth R6 |
| BlackRock High Yield Bond Inst |
| BlackRock Inflation Protected Bond I |
| Champlain Champlain Mid Cap Institutional |
| Emerald Emerald Growth Instl |
| Franklin Templeton Investments Franklin Growth Opportunities A |
| Franklin Templeton Investments Franklin Income Fund A |
| Franklin Templeton Investments Franklin Mutual Global Discovery Fund A |
| Franklin Templeton Investments Franklin Mutual Quest A |
| Franklin Templeton Investments Franklin Mutual Shares A |
| Franklin Templeton Investments Franklin Templeton Core Allocation A |
| Franklin Templeton Investments Franklin US Government Securities A |
| John Hancock Disciplined Value Mid Cap I |
| Lord Abbett & Co. LLC Lord Abbett Dividend Growth A |
| Lord Abbett & Co. LLC Lord Abbett Fundamental Equity A |
| MFS Investment Management MFS Value Fund R6 |
| PIMCO Investment Grade Credit Bond A |
| PIMCO Long-Term US Government A |
| T. Rowe Price Retirement 2010 Fund |
| T. Rowe Price Retirement 2015 Fund |
| T. Rowe Price Retirement 2020 Fund |
| T. Rowe Price Retirement 2025 Fund |
| T. Rowe Price Retirement 2030 Fund |
| T. Rowe Price Retirement 2035 Fund |
| T. Rowe Price Retirement 2040 Fund |
| T. Rowe Price Retirement 2045 Fund |
| T. Rowe Price Retirement 2050 Fund |
| T. Rowe Price Retirement 2055 Fund |
| T. Rowe Price Retirement 2060 Fund |
| T. Rowe Price Retirement 2065 Fund |
| Templeton Investments Templeton Global Bond A |
| Templeton Investments Templeton Growth Fund A |
| Touchstone Touchstone Active Bond Fund A |
| Touchstone Touchstone Balanced Fund A |
| Touchstone Touchstone Large Cap Focused Fund A |
| Vanguard 500 Index Admiral Ser |
| Vanguard Growth Index Admiral |
| Vanguard Mid-Cap Index Admiral |
| Vanguard Small-Cap Index Adm |
| MetLife Met Managed GIC |
| rates at 4.25% through 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for WAYNE MEMORIAL DEFINED CONTRIBUTION 403(B) 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 WAYNE MEMORIAL DEFINED CONTRIBUTION 403(B) PLAN