Investment options of ROCKFORD HEALTH SYSTEM FIXED CONTRIBUTION PLAN
Total Available Funds: 28
| Investment Description |
|---|
| AMERICAN CENTURY 2025 ONE CHOICE PORTFOLIO I |
| AMERICAN CENTURY 2030 ONE CHOICE PORTFOLIO I |
| AMERICAN CENTURY 2035 ONE CHOICE PORTFOLIO I |
| AMERICAN CENTURY 2040 ONE CHOICE PORTFOLIO I |
| AMERICAN CENTURY 2045 ONE CHOICE PORTFOLIO I |
| AMERICAN CENTURY 2050 ONE CHOICE PORTFOLIO I |
| AMERICAN CENTURY 2055 ONE CHOICE PORTFOLIO I |
| AMERICAN CENTURY 2060 ONE CHOICE PORTFOLIO I |
| AMERICAN CENTURY ONE CHOICE PORT IN RET PT I |
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R4 |
| AMERICAN FUNDS INCOME FUND OF AMERICA CLASS R4 |
| AMERICAN FUNDS NEW WORLD FUND CLASS R4 |
| AMERICAN FUNDS NEW WORLD PROSPECTIVE R4 |
| DIMENSIONAL FUND ADVISORS INFLATION PROTECTED SECURITIES PORTFOLIO INST. CLASS |
| DIMENSIONAL FUND ADVISORS US TARGETED VALUE PORTFOLIO INSTITUTIONAL CLASS |
| FIDELITY INVESTMENTS BLUE CHIP GROWTH FUND |
| FIDELITY INVESTMENTS CONTRAFUND |
| INVESCO DIVERSIFIED DIVIDEND FUND CLASS RS |
| MASS MUTUAL SELECT MID CAP GROWTH FUND |
| VOYA FINANCIAL CORPORATE LEADERS 100 FUND CLASS I |
| VOYA FINANCIAL INTERMEDIATE BOND FUND CLASS A |
| VOYA FINANCIAL LARGE CAP GROWTH SERVICE PORTFOLIO |
| VOYA FINANCIAL RUSSELL LARGE CAP INDEX SERVICE PORTFOLIO |
| VOYA FINANCIAL SMALL CAP OPPORTUNITIES PORTFOLIO CLASS I |
| VOYA FINANCIAL VY AMERICAN CENTURY SMALL MID-CAP VALUE |
| VOYA FINANCIAL VY INV GLOB PORTF INIT CL |
| VOYA FINANCIAL VY T.ROWE PRICE CAPITAL APPRECIATION SRV. |
| VOYA FINANCIAL VY T.ROWE PRICE DIVERSIFIED MID CAP GROWTH |
Investment model portfolios
We provide two types of investment model portfolios for ROCKFORD HEALTH SYSTEM FIXED CONTRIBUTION 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 ROCKFORD HEALTH SYSTEM FIXED CONTRIBUTION PLAN