Investment options of SIMEDHEALTH RETIREMENT PLAN
Total Available Funds: 25
| Investment Description |
|---|
| Fidelity Government Money Market Fund |
| Fidelity 500 Index Fund |
| Fidelity Small Cap Index Fund |
| Fidelity International Index Fund |
| Fidelity Extended Market Index Fund |
| Fidelity FDM Index 2010 IPR |
| Fidelity FDM Index 2015 IPR |
| Fidelity FDM Index 2020 IPR |
| Fidelity FDM Index 2025 IPR |
| Fidelity FDM Index 2030 IPR |
| Fidelity FDM Index 2035 IPR |
| Fidelity FDM Index 2040 IPR |
| Fidelity FDM Index 2045 IPR |
| Fidelity FDM Index 2050 IPR |
| Fidelity FDM Index 2055 IPR |
| Fidelity FDM Index 2060 IPR |
| Fidelity FDM Index 2065 IPR |
| Fidelity Balanced K6 Fund |
| T. Rowe Price Blue Chip Growth Fund I Class |
| Vanguard High-Yield Corporate Fund Admiral Shares |
| Vanguard Total Bond Market Index Fund Admiral Shares |
| Vanguard Equity-Income Fund Admiral Shares |
| Vanguard International Growth Fund Admiral Shares |
| Vanguard Explorer Fund Admiral Shares |
| Vanguard Real Estate Index Fund Admiral Shares |
Investment model portfolios
We provide two types of investment model portfolios for SIMEDHEALTH RETIREMENT 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 SIMEDHEALTH RETIREMENT PLAN