Investment options of HEYWOOD HOSPITAL EMPLOYEE RETIREMENT SAVINGS PLAN
Total Available Funds: 30
| Investment Description |
|---|
| T. ROWE PRICE BLUE CHIP GROWTH |
| JP MORGAN EQUITY INCOME R6 |
| AMERICAN FUNDS 2025 TRGT DATE RETIRE R6 |
| FIDELITY INVESTMENTS 500 INDEX INSTL PREMIUM |
| LEGG MASON/WESTERN ASSET CORE PLUS BOND INSTL I |
| AMERICAN FUNDS EUROPACIFIC GROWTH R6 |
| VANGUARD STRATEGIC EQUITY |
| T. ROWE PRICE QM U. S. SMALL-CAP GROWTH EQUITY |
| AMERICAN FUNDS 2030 TRGT DATE RETIRE R6 |
| PARNASSUS CORE EQUITY INV |
| BLACKROCK HIGH YIELD BOND INSTL |
| FIDELITY INVESTMENTS U. S. BOND INDEX INSTL PREM |
| VANGUARD INFLATION-PROTECTED SECS ADM |
| AMERICAN FUNDS 2020 TRGT DATE RETIRE R6 |
| CHARLES SCHWAB PERSONAL CHOICE RETIREMENT ACCOUNT |
| AMERICAN FUNDS 2040 TRGT DATE RETIRE R6 |
| AMERICAN FUNDS 2035 TRGT DATE RETIRE R6 |
| VANGUARD SHORT TERM BOND INDEX ADM |
| AMERICAN FUNDS 2045 TRGT DATE RETIRE R6 |
| COLUMBIA SMALL CAP VALUE II INST |
| VANGUARD TREASURY MONEY MARKET INVESTOR |
| AMERICAN FUNDS 2050 TRGT DATE RETIRE R6 |
| FIDELITY INVESTMENTS INTERNATIONAL INDEX INSTL PREM |
| AMERICAN FUNDS 2055 TRGT DATE RETIRE R6 |
| FIDELITY INVESTMENTS EXTENDED MARKET INDEX INSTL PREM |
| AMERICAN FUNDS 2015 TRGT DATE RETIRE R6 |
| ALLSPRING SPECIAL MID CAP VALUE R6 |
| AMERICAN FUNDS 2060 TRGT DATE RETIRE R6 |
| INVESCO DISCOVERY MID CAP GROWTH Y |
| AMERICAN FUNDS 2010 TRGT DATE RETIRE R6 |
Investment model portfolios
We provide two types of investment model portfolios for HEYWOOD HOSPITAL EMPLOYEE RETIREMENT SAVINGS 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 HEYWOOD HOSPITAL EMPLOYEE RETIREMENT SAVINGS PLAN