NORTHSTAR MEDICAL MANAGEMENT, INC. 401(K) PROFIT-SHARING PLAN Investment Options
Basic steps for NORTHSTAR MEDICAL MANAGEMENT, INC. 401(K) PROFIT-SHARING PLAN investments
- 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?
- 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.
- 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.
- Review Investment Options: Evaluate the investment options available within NORTHSTAR MEDICAL MANAGEMENT, INC. 401(K) PROFIT-SHARING 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.
- 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.
- 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.
- 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
NORTHSTAR MEDICAL MANAGEMENT, INC. 401(K) PROFIT-SHARING PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
Total Available Funds: 42
| Investment Description |
|---|
| METLIFE GROUP ANNUITY COMMON COLLECTIVE TRUST |
| ABBEY CAPITAL FUTURES STRATEGY I MUTUAL FUND |
| AMER FUNDS NEW ECON R3 MUTUAL FUND |
| AMER FUNDS SM WORLD R3 MUTUAL FUND |
| AMERICAN FUNDS 2025 TRGT DATE RETIRE R6 MUTUAL FUND |
| AMERICAN FUNDS 2030 TRGT DATE RETIRE R6 MUTUAL FUND |
| AMERICAN FUNDS 2035 TRGT DATE RETIRE R6 MUTUAL FUND |
| BLACKROCK MID-CAP GROWTH EQUITY INSTL MUTUAL FUND |
| BRANDYWINEGLOBAL - HIGH YIELD I MUTUAL FUND |
| CALVERT EQUITY FUND CLASS I MUTUAL FUND |
| CALVERT SMALL CAP FUND- I MUTUAL FUND |
| CLEARBRIDGE INTERNATIONAL GROWTH FUND MUTUAL FUND |
| COHEN & STEERS LOW DURATION PREF & INC I MUTUAL FUND |
| COHEN & STEERS REALTY SHARES MUTUAL FUND |
| DELAWARE IVY EMERGING MARKETS OPPT-R MUTUAL FUND |
| DODGE & COX GLOBAL BOND FUND CL I MUTUAL FUND |
| EATON VANCE SER FD INC EMRG MAK DBT 1MUTUAL FUND |
| FEDERATED HERMES KAUFMANN SMALL CAP IS MUTUAL FUND |
| FIDELITY ADVISOR INTL CAPITAL APP I MUTUAL FUND |
| FIRST EAGLE OVERSEAS 1 MUTUAL FUND |
| GS GQG PART INTL OPP-INST MUTUAL FUND |
| JPMORGAN HEDGED EQUITY 2-1 MUTUAL FUND |
| LORD ABBETT SHRT DUR INC-R4 MUTUAL FUND |
| MASSACHUSETTS INVESTORS GROWTH STOCK FUND R6 MUTUAL FUND |
| MFS INTERNATIONAL INTRINSIC VALUE I MUTUAL FUND |
| MORGAN STAN GI FIX INC OP-I MUTUAL FUND |
| MORGAN STAN INS CORFI MUTUAL FUND |
| PGIM TOTAL RETURN BOND CL Z MUTUAL FUND |
| PIMCO LOW DURATION INCOME I2 MUTUAL FUND |
| T ROWE PRICE INSTL LARGE CAP VALUE MUTUAL FUND |
| TCW EMERGING MARKETS INCOME I MUTUAL FUND |
| TWEEDY, BROWNE GLOBAL VALUE MUTUAL FUND |
| VANGUARD 500 INDEX ADM MUTUAL FUND |
| VANGUARD EMERGING MKTS STOCK IDX ADM MUTUAL FUND |
| VANGUARD GR IDX ADM MUTUAL FUND |
| VANGUARD LONG TERM TREASURY ADM MUTUAL FUND |
| VANGUARD MID CAP INDEX ADM MUTUAL FUND |
| VANGUARD SHORT-TERM CORP BD IDX ADMIRAL MUTUAL FUND |
| VANGUARD SMALL CAP INDEX ADM MUTUAL FUND |
| VANGUARD TOTAL BOND MARKET INDEX ADM MUTUAL FUND |
| VANGUARD TOTAL INT ST IDX-AD MUTUAL FUND |
| WESTERN ASSET CORE BOND I MUTUAL FUND |
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.
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: 04/25/2025.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | -0.88% | 7.97% | 4.70% | 7.46% | 5.90% | 6.80% | 6.66% | 6.35% |
| Five Core Asset Portfolio | -1.15% | 7.89% | 4.57% | 7.32% | 5.82% | 6.70% | 6.74% | 6.54% |
| Three Core Asset Portfolio | -1.15% | 7.88% | 5.54% | 7.93% | 6.29% | 7.06% | 6.78% | 6.27% |
| Two Core Asset Portfolio | -3.37% | 7.96% | 5.98% | 8.41% | 7.36% | 8.30% | 7.47% | 6.76% |
| Yale Endowment Template | -0.55% | 8.88% | 3.48% | 7.21% | 6.21% | 7.66% | 7.45% | 7.61% |
| S&P 500 Index | -5.72% | 10.78% | 10.28% | 15.64% | 11.99% | 12.63% | 10.12% | 8.21% |
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