Investment options of PROMEDICA HEALTH SYSTEM, INC. 403(B) PLAN
Total Available Funds: 25
| Investment Description |
|---|
| VANGUARD FUNDS MONEY MARKET FUND |
| VANGUARD FEDERAL MONEY MARKET |
| DODGE & COX FUNDS DODGE & COX INTERNATIONAL STOCK |
| FIDELITY MANAGEMENT TRUST COMPANY FIDELITY GLOBAL EX US INDEX |
| FIDELITY TOTAL MARKET INDEX |
| BAIRD SHORT-TERM BOND FUND |
| FIDELITY US BOND INDEX |
| JPMORGAN CHASE BANK, N. A. JPMORGAN SMARTRETIREMENT 2020 FUND |
| JPMORGAN SMARTRETIREMENT 2025 FUND |
| JPMORGAN SMARTRETIREMENT 2030 FUND |
| JPMORGAN SMARTRETIREMENT 2035 FUND |
| JPMORGAN SMARTRETIREMENT 2040 FUND |
| JPMORGAN SMARTRETIREMENT 2045 FUND |
| JPMORGAN SMARTRETIREMENT 2050 FUND |
| JPMORGAN SMARTRETIREMENT 2055 FUND |
| JPMORGAN SMARTRETIREMENT 2060 FUND |
| JPMORGAN SMARTRETIREMENT INCOME FUND |
| JPMORGAN LARGE CAP GROWTH FUND - CLASS R6 |
| BLACKROCK FUNDS BLACKROCK EQUITY DIVIDEND FUND - INSTITUTIONAL CLASS |
| BLACKROCK TOTAL RETURN IS |
| AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC GROWTH R6 |
| AMERICAN BEACON SMALL CAP VALUE R6 |
| WILLIAM BLAIR FUNDS WILLIAM BLAIR SMALL-MID CAP GROWTH I |
| FIDELITY MANAGEMENT TRUST COMPANY SELF-DIRECTED BROKERAGE ACCOUNTS - FIDELITY - |
| BROKERAGELINK |
Investment model portfolios
We provide two types of investment model portfolios for PROMEDICA HEALTH SYSTEM, INC. 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 PROMEDICA HEALTH SYSTEM, INC. 403(B) PLAN