Investment options of ZIEGLER COOPER, INC. 401(K) PROFIT SHARING AND EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST
Total Available Funds: 22
| Investment Description |
|---|
| VANGUARD EMERGING MARKETS STOCK INDEX FUND |
| AMERICAN BEACON LARGE CAP VALUE FUND |
| CARILLON EAGLE SMALL CAP GROWTH FUND |
| COLUMBIA ACORN FUND |
| COLUMBIA SELECT MID CAP VALUE FUND |
| COLUMBIA SMALL CAP VALUE FUND II |
| HARBOR INTERNATIONAL FUND |
| PIMCO TOTAL RETURN FUND |
| RUSSELL EQUITY INCOME FUND |
| SCHWAB GOVERNMENT MONEY MARKET FUND |
| VANGUARD TARGET RETIREMENT 2020 FUND |
| VANGUARD TARGET RETIREMENT 2025 FUND |
| VANGUARD TARGET RETIREMENT 2030 FUND |
| VANGUARD TARGET RETIREMENT 2035 FUND |
| VANGUARD TARGET RETIREMENT 2040 FUND |
| VANGUARD TARGET RETIREMENT 2045 FUND |
| VANGUARD TARGET RETIREMENT 2050 FUND |
| VANGUARD TARGET RETIREMENT 2055 FUND |
| VANGUARD TOTAL BOND MARKET INDEX FUND |
| VANGUARD TOTAL INTERNATIONAL STOCK INDEX |
| VANGUARD TOTAL STOCK MARKET INDEX FUND |
| VANGUARD US GROWTH FUND |
Investment model portfolios
We provide two types of investment model portfolios for ZIEGLER COOPER, INC. 401(K) PROFIT SHARING AND EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST 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 ZIEGLER COOPER, INC. 401(K) PROFIT SHARING AND EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST