MEDICAL SPECIALISTS OF THE PALM BEACHES, INC. 401(K) SAVINGS PLAN Investment Options

Basic steps for MEDICAL SPECIALISTS OF THE PALM BEACHES, INC. 401(K) SAVINGS PLAN investments

  1. Understand Your Goals and Risk Tolerance: Consider your retirement goals, time horizon, and risk tolerance when choosing investments. Are you saving for retirement, or do you have other financial goals in mind? How comfortable are you with market fluctuations?
  2. Diversification: Diversification is key to managing risk in your investment portfolio. Spread your investments across different asset classes (e.g., stocks, bonds, cash equivalents) and sectors to reduce the impact of market volatility.
  3. Asset Allocation: Determine the appropriate mix of assets for your investment portfolio based on your goals and risk tolerance. This may involve allocating a percentage of your portfolio to stocks, bonds, and cash equivalents.
  4. Review Investment Options: Evaluate the investment options available within MEDICAL SPECIALISTS OF THE PALM BEACHES, INC. 401(K) SAVINGS PLAN (see below for more detailed investment options). Look for funds with low fees, consistent performance, and a track record of meeting their investment objectives.
  5. Consider Target-Date Funds: Target-date funds are a popular option for retirement savings because they automatically adjust the asset allocation over time based on your expected retirement date. These funds can be a convenient option for investors who prefer a hands-off approach to investing.
  6. Monitor and Rebalance: Periodically review your investment portfolio and make adjustments as needed. Rebalance your portfolio to maintain your desired asset allocation and ensure it remains aligned with your goals and risk tolerance.
  7. Seek Professional Advice: If you’re unsure about which investments to choose or how to allocate your assets, consider seeking advice from a financial advisor. They can help you develop an investment strategy tailored to your individual needs and circumstances.

By following these steps, you can set up a 401(k) plan and choose investments that align with your long-term financial goals and objectives. Remember that investing involves risk, and it’s important to carefully consider your options and seek professional advice if needed.

Investment Options

MEDICAL SPECIALISTS OF THE PALM BEACHES, INC. 401(K) SAVINGS PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):

Total Available Funds: 46
Investment Description
AMERICAN FUNDS AMERICAN BALANCED CLASS R6
VANGUARD 500 INDEX ADMIRAL CLASS
AMERICAN FUNDS WASHINGTON MUTUAL INVESTORS CLASS R6
LINCOLN FINANCIAL LINCOLN STABLE VALUE ACCOUNT
FIDELITY CONTRAFUND
BLACKROCK OPPORTUNITIES CLASS R SHARES
VANGUARD INTERNATIONAL GROWTH ADMIRAL SHARES
VANGUARD MID CAP INDEX ADMIRAL SHARES
INVESCO DIVERSIFIED DIVIDEND CLASS R6
JANUS HENDERSON GLOBAL LIFE SCIENCES CLASS I
TRANSAMERICA CAPITAL GROWTH CLASS I
AMERITRADE SELF DIRECTED BROKERAGE ACCOUNT
PGIM TOTAL RETURN BOND CLASS Z
AMERICAN FUNDS EUROPACIFIC GROWTH CLASS R6
BLACKROCK MID CAP GROWTH EQUITY INSTITUTIONAL SHARES
STADION TARGETFIT 2040 CONSERVATIVE STRATEGY CLASS 1
VANGUARD SELECTED VALUE INVESTOR SHARES
STADION TARGETFIT 2030 CONSERVATIVE STRATEGY CLASS 1
MFS INTERNATIONAL INTRINSIC VALUE CLASS R6
STADION TARGETFIT 2050 CONSERVATIVE STRATEGY CLASS 1
VANGUARD REAL ESTATE INDEX ADMIRAL SHARES
CARILLON EAGLE SMALL CAP GROWTH CLASS I
STADION TARGETFIT 2020 CONSERVATIVE STRATEGY CLASS 1
BLACKROCK INFLATION PROTECTED BOND INSTITUTIONAL SHARES
INVESCO DEVELOPING MARKETS
GOLDMAN SACHS CORE FIXED INCOME INSTITUTIONAL CLASS
PRIMECAP ODYSSEY STOCK
BLACKROCK GLOBAL ALLOCATION INSTITUTIONAL SHARES
MFS UTILITIES CLASS R3
DELAWARE FUNDS DELAWARE SMALL CAP VALUE INSTITUTIONAL CLASS
JOHN HANCOCK REGIONAL BANK CLASS I
INVESCO GLOBAL
TIAA CREF SOCIAL CHOICE EQUITY INSTITUTIONAL CLASS
LORD ABBETT SHORT DURATION INCOME CLASS I
FEDERATED HIGH YIELD TRUST SERVICE SHARES
BLACKROCK STRATEGIC INCOME OPPORTUNITIES INSTITUTIONAL SHARES
VIRTUS KAR SMALL CAP GROWTH CLASS I
PIMCO INCOME CLASSI 2
JP MORGAN EMERGING MARKETS EQUITY CLASS L
VANECK INTERNATIONAL INVESTORS GOLD CLASS Y
FIDELITY NATURAL RESOURCES
FIRSTEAGLE GLOBAL CLASS A
DIAMOND HILL LONG SHORT CLASS I
VANGUARD ENERGY INVESTOR SHARES
STADION TARGETFIT INCOME CONSERVATIVE STRATEGY CLASS 1
AB GLOBAL BOND CLASS I

Click to view the investment model portfolios of this plan ►

How to invest

Key principles in retirement investing:

  • Proper asset allocation among stocks and bonds, the two major assets. Proper assess your risk tolerance level based on your age, financial situation, personal emotional level to tolerate up and down, and retirement expectation.
  • Invest in (ultra) low cost index funds if possible. Don’t get caught up with flashy funds.
  • Invest for a long term: financial markets are up and down and investment values are subject to fluctuation. However, viewed as business investments, you can be assured that diversified funds (stocks and bonds) have solid business fundamental that eventually will deliver inflation beating returns for stocks.

See Four-Step Guide for 401(k) Retirement Investing.

Click to view the investment model portfolios of this plan ►

Basic asset allocation templates

The following asset allocation templates are based on popular lazy portfolios. These are core or major asset class-based portfolios using ultra-low-cost index funds for each asset class. Once you have decided on your proper risk asset (stocks) allocation, you can utilize these lazy portfolio templates to scale the allocations to your risk allocation level. See Asset Allocation Portfolio Templates for a guide:

The return data shown below all have the same latest date: 05/09/2025.
Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Inception
Four Core Asset Portfolio 0.44% 6.34% 7.14% 7.56% 6.17% 7.12% 6.68% 6.41%
Five Core Asset Portfolio 0.20% 6.32% 6.99% 7.42% 6.09% 7.01% 6.76% 6.60%
Three Core Asset Portfolio 0.19% 6.29% 7.86% 7.99% 6.52% 7.40% 6.81% 6.33%
Two Core Asset Portfolio -2.07% 6.45% 8.37% 8.43% 7.59% 8.58% 7.50% 6.82%
Yale Endowment Template 0.92% 7.09% 6.60% 7.51% 6.64% 7.94% 7.46% 7.68%
S&P 500 Index -3.34% 9.92% 13.95% 15.78% 12.28% 13.15% 10.17% 8.32%

See how your investments are doing


Enter the funds you have chosen from this plan along with their weights, and see how such a portfolio has performed.

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