Investment options of COMMUNITYCARE 401(K) SAVINGS PLAN
Total Available Funds: 37
| Investment Option List |
|---|
| TCO TARGET RETIREMENT 2025 MUTUAL FUND (MURHX) |
| VANGUARD 500 INDEX MUTUAL FUND (VFINX) |
| PUTNAM STABLE VALUE COMMON/COLLECTIVE TRUST |
| TCO TARGET RETIREMENT 2035 MUTUAL FUND (BRTIX) |
| TCO LIFESTYLE – GROWTH MUTUAL FUND (VCGLX) |
| TCO LIFESTYLE – BALANCED GROWTH MUTUAL FUND (VCGLX) |
| T. ROWE PRICE MID CAP GROWTH INST. MUTUAL FUND (PMEGX) |
| TCO TARGET RETIREMENT 2045 MUTUAL FUND (MURMX) |
| DODGE & COX BALANCED MUTUAL FUND (DODBX) |
| TCO LIFESTYLE – BALANCED MUTUAL FUND (JILBX) |
| DODGE & COX STOCK MUTUAL FUND (DODFX) |
| VANGUARD SMALL CAP INDEX MUTUAL FUND (VISVX) |
| TCO TARGET RETIREMENT 2055 MUTUAL FUND (MUROX) |
| TCO LIFESTYLE – AGGRESSIVE GROWTH MUTUAL FUND (VAGLX) |
| FIDELITY CONTRAFUND MUTUAL FUND (FCNTX) |
| VANGUARD MID CAP INDEX MUTUAL FUND (VIMSX) |
| TCO LIFESTYLE – CONSERVATIVE MUTUAL FUND (JILCX) |
| VANGUARD SHORT TERM INV GRADE MUTUAL FUND (VFSTX) |
| METROPOLITAN WEST TOTAL RETURN BOND MUTUAL FUND (MWTIX) |
| VANGUARD INTERNATIONAL GROWTH MUTUAL FUND (VWILX) |
| VANGUARD WINDSOR II MUTUAL FUND (VWNFX) |
| TCO TARGET RETIREMENT 2015 MUTUAL FUND (MURFX) |
| T. ROWE PRICE DIVIDEND GROWTH I MUTUAL FUND (PRDGX) |
| TCO LIFESTYLE – BALANCED INCOME MUTUAL FUND |
| DODGE & COX INTERNATIONAL STOCK MUTUAL FUND (DODFX) |
| VANGUARD DEVELOPED MARKETS INDEX MUTUAL FUND (VDMIX) |
| JOHN HANCOCK DISCPL MID CAP VAL R6 MUTUAL FUND (JHMSX) |
| TCO TARGET INCOME MUTUAL FUND (VTINX) |
| VANGUARD TOTAL BOND MARKET INDEX MUTUAL FUND (VBMFX) |
| TCO TARGET RETIREMENT 2065 MUTUAL FUND (MURQX) |
| FRANKLIN SMALL CAP GROWTH R6 MUTUAL FUND (FKSCX) |
| COHEN & STEERS REALTY SHARES INST. MUTUAL FUND (CSRIX) |
| AMERICAN BEACON SMALL CAP VALUE INST. MUTUAL FUND (AASVX) |
| VANGUARD TOTAL INTERNATIONAL BOND INDEX MUTUAL FUND (VTIBX) |
| VANGUARD SHORT TERM TREASURY MUTUAL FUND (VFISX) |
| PIMCO HIGH YIELD INSTITUTIONAL MUTUAL FUND (ODHYX) |
| DELAWARE EMERGING MARKETS MUTUAL FUND (DEMIX) |
Investment model portfolios
We provide two types of investment model portfolios for COMMUNITYCARE 401(K) SAVINGS 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 COMMUNITYCARE 401(K) SAVINGS PLAN