Investment options of D. A. BLODGETT – ST. JOHN’S 403(B) PLAN
Total Available Funds: 42
| Investment Description |
|---|
| Our report dated October 10, 2024 indicated that (a) the amounts and disclosures in the |
| principles generally accepted in the United States of America, and (b) the information in the |
| American Century Small Cap Valuation Fund R6 |
| Dodge & Cox Income Fund |
| Fidelity Extended Market Index |
| Fidelity Small Cap Growth K6 |
| Fidelity 500 Index |
| Janus Henderson Enterprise Fund |
| JPMorgan US Value R6 |
| MFS Growth Fund R6 |
| MFS International Diversified Fund R6 |
| Vanguard Wellington Admiral Fund |
| Vanguard Target Retirement Income Fund |
| Vanguard Target Retirement 2025 Fund |
| Vanguard Target Retirement 2030 Fund |
| Vanguard Target Retirement 2035 Fund |
| Vanguard Target Retirement 2045 Fund |
| Vanguard Target Retirement 2050 Fund |
| Vanguard Target Retirement 2055 Fund |
| Vanguard Target Retirement 2060 Fund |
| Vanguard Target Retirement 2065 Fund |
| Lincoln National Life – MultifundAmerican Funds Growth |
| Lincoln National Life – MultifundAmerican Funds Growth – Income |
| Lincoln National Life – MultifundAmerican Funds International |
| Lincoln National Life – MultifundFidelity VIP Contrafund |
| Lincoln National Life – MultifundLVIP Baron Growth Opportunities |
| Lincoln National Life – MultifundLVIP Blackrock Dividend Value |
| Lincoln National Life – MultifundLVIP Blended Large Cap Growth |
| Lincoln National Life – MultifundLVIP Dimensional US Core Equity |
| Lincoln National Life – MultifundLVIP JPMorgan Retirement Income |
| Lincoln National Life – MultifundLVIP Macquarie Diversified Income |
| Lincoln National Life – MultifundLVIP Macquarie Mid Cap Value |
| Lincoln National Life – MultifundLVIP Macquarie Small Mid Cap Core |
| Lincoln National Life – MultifundLVIP Macquarie Social Awareness |
| Lincoln National Life – MultifundLVIP Macquarie Wealth Builder |
| Lincoln National Life – MultifundLVIP Mondrian International Value |
| Lincoln National Life – MultifundLVIP SSGA S&P 500 Index |
| Lincoln National Life – MultifundLVIP T Rowe Price Mid Cap Growth |
| Lincoln National Life – MultifundLVIP T Rowe Price Structured Mid Cap Growth |
| The Standard Stable Asset Fund II |
| Lincoln National Life – MultifundFixed Account |
| Alerus Financial Promissory Notes Receivable – |
Investment model portfolios
We provide two types of investment model portfolios for D. A. BLODGETT – ST. JOHN’S 403(B) 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 D. A. BLODGETT – ST. JOHN'S 403(B) PLAN