Investment options of CANDELA CORPORATION 401K PLAN
Total Available Funds: 30
| Investment Option List |
|---|
| Ab Small Cap Growth 11,402 shares (SGRIX) |
| BlackRock High Yield Bond 94,244 shares (BHYIX) |
| BlackRock Inflation Protected Bond Fund 23,302 shares (BPRIX) |
| Fidelity Mid Cap Index 44,597 shares (FIIMX) |
| Fidelity 500 Index 51,069 shares (FUSEX) |
| Invesco Gold & Special Minerals R6 521 shares (IOGYX) |
| Is R Sm/Md Cap Idx K 125,159 shares |
| JPMorgan Core Plus Bond Fund 97,238 shares (JCPUX) |
| JPMorgan Large Cap Growth Fund 74,260 shares (SEEGX) |
| JPMorgan Midcap Value 13,242 shares (PVMIX) |
| TRP Midcap Growth I 22,081 shares (PGWIX) |
| TRP Overseas Stock I 81,578 shares |
| MFS Emerging Markets Debt R6 4,831 shares (MEDIX) |
| MFS Mid Cap Value R6 44,043 shares (MCVIX) |
| Pimco Emerging Market 54,027 shares |
| Pimco US I 85,748 shares |
| Thornburg STR INC R6 42,200 shares |
| Vanguard Target Retirement Inc 100,592 shares (VTINX) |
| Vanguard Target Retirement 2020 67 shares (VTWNX) |
| Vanguard Target Retirement 2025 111,781 shares (VTTVX) |
| Vanguard Target Retirement 2030 131,510 shares (VTHRX) |
| Vanguard Target Retirement 2035 312,532 shares (VTTHX) |
| Vanguard Target Retirement 2040 134,288 shares (VFORX) |
| Vanguard Target Retirement 2045 161,185 shares (VTIVX) |
| Vanguard Target Retirement 2050 61,435 shares (VFIFX) |
| Vanguard Target Retirement 2055 53,669 shares (VFFVX) |
| Vanguard Target Retirement 2060 25,517 shares (VTTSX) |
| Vanguard Target Retirement 2065 12,818 shares (VSXFX) |
| Lincoln Fixed Account |
| Notes Receivable from Participants 4.25 – 9.50% (NOTES) |
Investment model portfolios
We provide two types of investment model portfolios for CANDELA CORPORATION 401K 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 CANDELA CORPORATION 401K PLAN