Investment options of WELLSPRING SENIOR SUPPORT SERVICES 403(B) RETIREMENT PLAN
Total Available Funds: 37
| Investment Description |
|---|
| Capital Group American Funds American Balanced R3 N/R |
| Capital Group American Funds Capital World G/I R3 N/R |
| Capital Group American Funds Europacific GR R3 N/R |
| Capital Group American Funds Growth Fund of Amer R3 N/R |
| Empower Funds Empower S&P Mid Cap 400 Index Fund L N/R |
| Franklin Templeton Investments Franklin Core Plus Bond A N/R |
| Mass Mutual Mass Mutual Diversified Value N/R |
| Mass Mutual MM S&P 500 Index R4 N/R |
| Northern Trust Asset Management Northern Small Cap Index N/R |
| Pacific Investment Management PIMCO Long-Term US Government A N/R |
| T. Rowe Price Balanced R N/R |
| T. Rowe Price 2005 R N/R |
| T. Rowe Price 2015 R N/R |
| T. Rowe Price 2025 R N/R |
| T. Rowe Price 2035 R N/R |
| T. Rowe Price 2045 R N/R |
| T. Rowe Price 2055 R N/R |
| Fidelity Investments Fidelity VIP Contrafund N/R |
| Massachusetts Mutual Life Fixed Account (Artistry) N/R |
| Massachusetts Mutual Life Guaranteed Principal Acct (Flex Extra) N/R |
| Massachusetts Mutual Life MML Balanced Allocation N/R |
| Massachusetts Mutual Life MML Blend N/R |
| Massachusetts Mutual Life MML Blue Chip Growth N/R |
| Massachusetts Mutual Life MML Equity N/R |
| Massachusetts Mutual Life MML Foreign N/R |
| Massachusetts Mutual Life MML Income & Growth N/R |
| Massachusetts Mutual Life MML Large Cap Growth N/R |
| Massachusetts Mutual Life MML Managed Bond N/R |
| Massachusetts Mutual Life MML Managed Volatility N/R |
| Massachusetts Mutual Life MML Mid Cap Growth N/R |
| Massachusetts Mutual Life MML Mid Cap Value N/R |
| Massachusetts Mutual Life MML Small Cap Growth Equity N/R |
| Massachusetts Mutual Life MML Small/Mid Cap Value N/R |
| Massachusetts Mutual Life MML Sustainable Equity N/R |
| EQUITABLE LIFE INS CO Participant Directed Investments |
| MASS MUTUAL LIFE INS CO Participant Directed Investments |
| THRIVENT FINANCIAL FOR LUTHERANS Participant Directed Investments |
Investment model portfolios
We provide two types of investment model portfolios for WELLSPRING SENIOR SUPPORT SERVICES 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 WELLSPRING SENIOR SUPPORT SERVICES 403(B) RETIREMENT PLAN