Investment options of AAOS RETIREMENT PLAN
Total Available Funds: 30
| Investment Description |
|---|
| Galliard Capital Management Galliard Stable Return PN |
| Great Gray Trust Company International Growth II R1 Fund |
| Great Gray Trust Company Large Cap Growth Fund II R1 Fund |
| Great Gray Trust Company Large Cap Value III R1 Fund |
| Great Gray Trust Company Mid Cap Value Fund II Class R1 |
| Allspring Global Investments Allspring Sm Company Value Fund |
| Capital Research & Mgmt Co American Funds Inflation Linked Bond Fund |
| BlackRock Advisors, LLC BlackRock High Yield Bond Portfolio |
| Fidelity Management & Research Fidelity Mid Cap |
| Fidelity Management & Research Fidelity Small Cap |
| Fidelity Management & Research Fidelity Small Cap Growth K6 Fund |
| Fidelity Management & Research Fidelity |
| Janus Henderson Balanced Fund |
| Parnassus Investments Parnassus Core Equity Instl |
| Amundi Asset Management Pioneer Strategic Income-K |
| Vanguard Group Vanguard Emrg Market Stock Index-Admiral |
| Vanguard Group Vanguard Target Retirement Income Fund |
| J.P.Morgan Asset Management JPMorgan Mid Cap Growth R6 Fund |
| Vanguard Group Vanguard Target Retirement 2020 |
| Vanguard Group Vanguard Target Retirement 2025 |
| Vanguard Group Vanguard Target Retirement 2030 |
| Vanguard Group Vanguard Target Retirement 2035 |
| Vanguard Group Vanguard Target Retirement 2040 |
| Vanguard Group Vanguard Target Retirement 2045 |
| Vanguard Group Vanguard Target Retirement 2050 |
| Vanguard Group Vanguard Target Retirement 2055 |
| Vanguard Group Vanguard Target Retirement 2060 |
| Vanguard Group Vanguard Target Retirement 2065 |
| Vanguard Group Vanguard Target Retirement 2070 |
| Rates from 4.25% – 9.50% – |
Investment model portfolios
We provide two types of investment model portfolios for AAOS 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 AAOS RETIREMENT PLAN