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As a Premera employee, you may be eligible to
participate in your company's 401(k) plan. This page
is dedicated to giving you the information you need to make the
most of Premera's 401(k) plan.
If you find this web site helpful, please help us spread the word at Premera.
According to our records, your current plan options are listed below. Please let us know if your plan has changed, or if there are additions or deletions to this list.
What we like about this retirement plan: This plan covers most of the bases and it includes an emerging markets fund as well.
What could improve your retirement plan: This plan could benefit from the addition of international large and small cap value funds.
Our Premera 401(k) Plan Recommendations
Here
are our asset allocation recommendations based on the level of risk you
decide to take. To determine your tolerance for risk so that you can
choose the portfolio that's right for you, be sure to read the articles
linked on our homepage.
It's important that you understand the basis for our recommendations,
because you'll be more likely to implement them and stay the course. If
you have questions, check our FAQs.
Aggressive Portfolio
When
you want to take out all the stops and "go for it," this is the
portfolio for you. Equally at home in the U.S. and abroad, this
combination is a favorite of young investors with plenty of time before
retirement. It’s also suited for those on a fast track who want or need
all the speed and distance they can get from their investments. Because
100 percent of the portfolio is in equities, the only buffer against
the slings and arrows of the market is time. But if you’ve got the
time, this is the way to go. Our expected annual return for this
portfolio is 10 to 13 percent, with the likely one year loss of 25 to
40 percent.
Moderate Portfolio
This
combination is a fine choice for many employees and especially for
long-term investors. Its 60 percent weighting in equities gives it
plenty of power for stock market growth, while the 40 percent in
fixed-income provides stability and safety during declines in the
market. This portfolio is most suitable for investors with five or more
years until they will need their money. Our expected annual return for
this portfolio is 7 to 10 percent, with the likely one year loss of 15
to 30 percent.
Conservative Portfolio
This
combination stresses safety, with a mix of 40 percent equities and 60
percent fixed-income investments. It is most suitable for investors who
consider themselves conservative, who are close to or past the age of
retirement or who, for whatever reason, care more about holding onto
their money than making it grow. Our expected annual return for this
portfolio is 6 to 9 percent, with the likely one year loss of 5 to 15
percent.
Disclaimer:
This information is provided by Merriman Berkman Next, Inc., a
registered investment advisor, and is believed to be from reliable
sources, but no guarantee is made as to accuracy or completeness. The
investment securities and strategies discussed are not suitable for all
investors. Recommendations are of a general nature, not based on
knowledge of any individual's specific needs or circumstances, and
there is no intent to provide individual investment advisory,
supervisory or management services. Unless otherwise noted, all
reported or projected results (1) assume reinvestment of interest and
dividends; (2) are net of any applicable management fees and
transaction costs; and (3) do not reflect any effect of taxes. Past
returns, whether actual or hypothetical, are not indicative of future
results, which will be different from those of the past. Merriman Berkman Next, Inc. is not an authorized representative of Premera and its retirement plan.
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