Investment options of SHELTERING ARMS 403(B) RETIREMENT PLAN
Total Available Funds: 40
| Investment Description |
|---|
| American Funds Europacific Growth Class R6 |
| American Funds Global Growth Portfolio |
| American Funds Growth Portfolio – A |
| American Funds Growth and Income Portfolio |
| American Funds International Fund |
| Baron Capital, Inc. Small Cap Institutional Class |
| Blackrock Equity Dividend K Shares |
| JP Morgan Large Cap Growth Class R6 |
| Lincoln Financial Distributors, Inc. Pathbuilder Income |
| MFS Fund Distributors, Inc. International Intrinsic Value Class R4 |
| MFS Fund Distributors, Inc. Utilities |
| The Vanguard Group, Inc. 500 Index Fund Admiral Shares |
| The Vanguard Group, Inc. Emerging Markets Stock Index Admiral Shares |
| The Vanguard Group, Inc. Mid Cap Index Admiral Shares |
| The Vanguard Group, Inc. Small Cap Index Admiral Shares |
| The Vanguard Group, Inc. Small Cap Value Index Admiral Shares |
| The Vanguard Group, Inc. Developed Markets Index Admiral Shares |
| Lincoln Financial Distributors, Inc. FIDELITY VIP CONTRAFUND |
| Lincoln Financial Distributors, Inc. FIDELITY VIP FREEDOM TARGET DATE 2025 |
| Lincoln Financial Distributors, Inc. FIDELITY VIP GROWTH |
| Lincoln Financial Distributors, Inc. LVIP BARON GROWTH OPPORTUNITIES |
| Lincoln Financial Distributors, Inc. LVIP BLACKROCK DIVIDEND VALUE MNGDVLTLTY |
| Lincoln Financial Distributors, Inc. LVIP BLENDED LRG CAP GROWTH MNGD VOLTLTY |
| Lincoln Financial Distributors, Inc. LVIP DIMENSIONAL U.S. CORE EQUITY |
| Lincoln Financial Distributors, Inc. LVIP JPMORGAN RETIREMENT INCOME FUND |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE BOND |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE DIVERSIFIED INCOME |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE HIGH YIELD FUND |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE MID CAP VALUE FUND |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE SMID CAP CORE SERIES |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE SOCIAL AWARENESS |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE U.S. REIT FUND |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE VALUE SERIES |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE WEALTH BUILDER |
| Lincoln Financial Distributors, Inc. LVIP MONDRIAN INTERNATIONAL VALUE |
| Lincoln Financial Distributors, Inc. LVIP SSGA S&P 500 INDEX |
| Lincoln Financial Distributors, Inc. LVIP T. ROWE PRICE STRUCTURED MID-CAP |
| Lincoln Financial Distributors, Inc. MACQUARIE SMALL CAP VALUE |
| Investment Contracts |
| Rates from 4.25% to 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for SHELTERING ARMS 403(B) 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 SHELTERING ARMS 403(B) RETIREMENT PLAN