Investment options of CTHP, INC. 401(K) PLAN
Total Available Funds: 24
| Investment Option List |
|---|
| FISHER ALL WORLD EQUITY 3 Common / Collective Trust |
| FISHER US FIXED INC 3 Common / Collective Trust |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VANG TOT STK MKT IDX – ADMIRAL |
| BLACKROCK LIFEPATH RET FUND K (STLAX) |
| VANGUARD VALUE INDEX FUND ADMR (VTRIX) |
| BLACKROCK LIFEPATH 2040 FUND K (STLEX) |
| VANGUARD TOT INTL STK IND ADM |
| VANGUARD SMALL CAP INDEX ADMRL (VISVX) |
| BLACKROCK LIFEPATH 2050 FUND K (LPRFX) |
| BLACKROCK LIFEPATH 2055 FUND K (LEVAX) |
| VANGUARD MID CAP INDEX – ADM (VIMSX) |
| BLACKROCK LIFEPATH 2035 K (LPJCX) |
| BLACKROCK LIFEPATH 2030 FUND K (STLDX) |
| JPMORGAN MID CAP VALUE FUND R6 (FLMVX) |
| VANGUARD TOT BND MKT IND- ADM |
| VANGUARD GROWTH INDEX FUND ADM (VTGLX) |
| VANGUARD FEDERAL MM INV (VDMIX) |
| BLACKROCK LIFEPATH 2060 K (BAPAX) |
| BLACKROCK LIFEPATH 2045 FUND K (LPHRX) |
| BLACKROCK LIFEPATH 2065 K (LIWAX) |
| FISHER ALL WORLD EQUITY (IAFEX) |
| FISHER US FIXED INC |
Investment model portfolios
We provide two types of investment model portfolios for CTHP, INC. 401(K) 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 CTHP, INC. 401(K) PLAN