Investment options of CMHA 403(B) PLAN
Total Available Funds: 34
| Investment Option List |
|---|
| American Funds Target Retirement 2025 Fund N/R (REDTX) |
| American Funds Target Retirement 2030 Fund N/R (REETX) |
| American Funds Target Retirement 2035 Fund N/R (REFTX) |
| American Funds Target Retirement 2040 Fund N/R (REGTX) |
| American Funds Target Retirement 2045 Fund N/R (REHTX) |
| American Funds Target Retirement 2050 Fund N/R (REITX) |
| American Funds Target Retirement 2015 Fund N/R (REJTX) |
| American Funds Target Retirement 2055 Fund N/R (FAJTX) |
| American Funds Target Retirement 2010 Fund N/R (REATX) |
| American Funds Target Retirement 2060 Fund N/R (CCKTX) |
| American Funds Target Retirement 2065 Fund N/R (FBMTX) |
| American Funds Target Retirement 2020 Fund N/R (RECTX) |
| American Funds American Balanced N/R (GBLAX) |
| Fidelity Investments Small Cap Index N/R (FSISX) |
| Fidelity Investments International Index N/R (FDIVX) |
| Fidelity Investments US Bond Index N/R |
| Fidelity Investments Mid Cap Index N/R (FIIMX) |
| Federated Hermes Mid Cap Growth Fund N/R (QIMGX) |
| Allspring Special Mid Cap Value Fund N/R (SMCDX) |
| JPMorgan Large Cap Growth Fund N/R (SEEGX) |
| JPMorgan Small Cap Growth Fund N/R (JISGX) |
| JPMorgan Equity Income Fund N/R (HLIEX) |
| JPMorgan Core Plus Bond Fund N/R (JCPUX) |
| Victory Sycamore Small Company Opportunity Fund N/R (VSOIX) |
| MFS International Growth Fund N/R (MQGIX) |
| MFS Core Equity Fund N/R (MRGJX) |
| Vanguard 500 Index Fund Admiral Shares N/R (VFINX) |
| Vanguard Intermediate-Term Treasury Index Fund N/R (VFITX) |
| Black Rock High Yield Fund N/R |
| MassMutual Inflation-Protected and Income Fund N/R (MIPSX) |
| Thornburg Strategic Income Fund N/R (TSIIX) |
| Lincoln National Corporation Macquarie Social Awareness Fund N/R |
| Lincoln National Corporation JPMorgan Retirement Income Fund N/R |
| Massachusetts Mutual Life MassMutual Capital Preservation N/R |
Investment model portfolios
We provide two types of investment model portfolios for CMHA 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 CMHA 403(B) PLAN