VIRGINIA UROLOGY CENTER, P.C. PROFIT SHARING PLAN Investment Options
Basic steps for VIRGINIA UROLOGY CENTER, P.C. 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 VIRGINIA UROLOGY CENTER, P.C. 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
VIRGINIA UROLOGY CENTER, P.C. PROFIT SHARING PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
Total Available Funds: 43
| Investment Description |
|---|
| 500 INDEX FUND POOLED SEPARATE ACCOUNT |
| AMERICAN BALANCED FUND POOLED SEPARATE ACCOUNT |
| AMERICAN FUNDS EUROPAC GROWTH POOLED SEPARATE ACCOUNT |
| AMERICAN FUNDS NEW WORLD FUND POOLED SEPARATE ACCOUNT |
| BLACKROCK U. S. DEBT INDEX FUND POOLED SEPARATE ACCOUNT |
| BLUE CHIP GROWTH FUND POOLED SEPARATE ACCOUNT |
| CAPITAL WORLD GROWTH & INCOME POOLED SEPARATE ACCOUNT |
| DFA INTERNATIONAL VALUE FUND POOLED SEPARATE ACCOUNT |
| DFA US TARGETED VALUE FUND POOLED SEPARATE ACCOUNT |
| FIDELITY ADVISOR TOTAL BOND POOLED SEPARATE ACCOUNT |
| FIDELITY INTERNATIONAL INDEX POOLED SEPARATE ACCOUNT |
| FIDELITY MID CAP INDEX FUND POOLED SEPARATE ACCOUNT |
| FINANCIAL INDUSTRIES FUND POOLED SEPARATE ACCOUNT |
| INVESCO SMALL CAP GROWTH POOLED SEPARATE ACCOUNT |
| JH MULTI-INDEX LS AGGRESSIVE POOLED SEPARATE ACCOUNT |
| JH MULTI-INDEX LS BALANCED POOLED SEPARATE ACCOUNT |
| JH MULTI-INDEX LS CONSERV POOLED SEPARATE ACCOUNT |
| JH MULTI-INDEX LS GROWTH POOLED SEPARATE ACCOUNT |
| JH MULTI-INDEX LS MODERATE POOLED SEPARATE ACCOUNT |
| JOHN HANCOCK MID CAP GROWTH FUND POOLED SEPARATE ACCOUNT |
| MFS UTILITIES FUND POOLED SEPARATE ACCOUNT |
| MFS VALUE FUND POOLED SEPARATE ACCOUNT |
| MID VALUE FUND POOLED SEPARATE ACCOUNT |
| NORTHERN EM EQUITY INDEX FUND POOLED SEPARATE ACCOUNT |
| REAL EST. SECURITIES FUND POOLED SEPARATE ACCOUNT |
| RELIANCE METLIFE STABLE VALUE POOLED SEPARATE ACCOUNT |
| SCIENCE & TECHNOLOGY FUND POOLED SEPARATE ACCOUNT |
| T. ROWE PRICE HEALTH SCIENCES FUND POOLED SEPARATE ACCOUNT |
| T. ROWE PRICE NEW ERA FUND POOLED SEPARATE ACCOUNT |
| TIAA-CREF SMALL-CAP BLEND IDX POOLED SEPARATE ACCOUNT |
| VANGUARD SHORT-TERM FEDERAL POOLED SEPARATE ACCOUNT |
| VANGUARD TARGET RET 2020 POOLED SEPARATE ACCOUNT |
| VANGUARD TARGET RET 2025 POOLED SEPARATE ACCOUNT |
| VANGUARD TARGET RET 2030 POOLED SEPARATE ACCOUNT |
| VANGUARD TARGET RET 2035 POOLED SEPARATE ACCOUNT |
| VANGUARD TARGET RET 2040 POOLED SEPARATE ACCOUNT |
| VANGUARD TARGET RET 2045 POOLED SEPARATE ACCOUNT |
| VANGUARD TARGET RET 2050 POOLED SEPARATE ACCOUNT |
| VANGUARD TARGET RET 2055 POOLED SEPARATE ACCOUNT |
| VANGUARD TARGET RET 2060 POOLED SEPARATE ACCOUNT |
| VANGUARD TARGET RET 2065 POOLED SEPARATE ACCOUNT |
| VANGUARD TARGET RET INCOME POOLED SEPARATE ACCOUNT |
| VANGUARD TOTAL BOND MARKET IDX POOLED SEPARATE ACCOUNT |
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: 04/21/2025.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | -4.43% | 4.42% | 3.00% | 7.23% | 5.57% | 6.59% | 6.48% | 6.19% |
| Five Core Asset Portfolio | -4.69% | 4.40% | 2.88% | 7.08% | 5.48% | 6.48% | 6.56% | 6.38% |
| Three Core Asset Portfolio | -4.96% | 4.07% | 3.73% | 7.66% | 5.91% | 6.81% | 6.57% | 6.10% |
| Two Core Asset Portfolio | -7.64% | 3.48% | 4.00% | 8.13% | 6.90% | 8.00% | 7.24% | 6.56% |
| Yale Endowment Template | -4.18% | 5.24% | 1.68% | 6.98% | 5.88% | 7.47% | 7.28% | 7.45% |
| S&P 500 Index | -11.99% | 4.20% | 6.98% | 15.22% | 11.29% | 12.16% | 9.75% | 7.90% |
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