Investment options of ACC 401(K) PLAN
Total Available Funds: 52
| Investment Description |
|---|
| Alger Spectra Alger Spectra Z |
| Blackrock Health Science Opp Port |
| Columbia Balance |
| Columbia Contrarian Core I3 |
| Macquarie Macquarie Emerging Markets |
| Columbia Global Value I3 |
| Vanguard Mid-Cap Value Index |
| Goldman Sachs International Eq Insight |
| JP Morgan Chase Equity Income R6 |
| Janus Henderson Triton N |
| Lord Abbett High Yield bond |
| MFS Series Trust Mid Cap Growth R6 |
| Principal Small Cap US Stock |
| Red Oak Technology Select Fund |
| Vanguard 500 Index Adm |
| Vanguard Small-Cap Index Adm |
| Vanguard Health Care Index Adm |
| Vanguard Inflation-Protected Sec Adm |
| Vanguard Information Tech Index Adm |
| Vanguard Target Ret 2025 |
| Vanguard Target Ret 2030 |
| Vanguard Target Ret 2035 |
| Vanguard Target Ret 2040 |
| Vanguard Target Ret 2045 |
| Vanguard Target Ret 2050 |
| Vanguard Target Ret 2055 |
| Vanguard Target Ret 2060 |
| Vanguard Target Ret 2065 |
| Vanguard Strategic Small-Cap Equity Inv |
| Vanguard Van Financial Index |
| Voya Voya Intermediate Bond R6 |
| Blackrock Health Sciences Opp Port K |
| Columbia Balanced I3 |
| Macquarie Macquarie Emerging Markets R6 |
| Goldman Sachs Intl Eq Insights R6 |
| Janus Janus Henderson Triton N |
| JP Morgan JP Morgan Equity Income R6 |
| Lord Abbett High Yield R6 |
| MFS Series Trust MFS Mid Cap Growth R6 |
| Principal SmallCap Value II R6 |
| Red Oak Red Oak Technology Select Fund |
| Vanguard Financials Index Adm |
| Vanguard Mid-Cap Value Index Adm |
| Vanguard Target Retirement 2065 Fund |
| Vanguard Target Retirement 2060 Fund |
| Vanguard Target Retirement 2055 Fund |
| Vanguard Target Retirement 2050 Fund |
| Vanguard Target Retirement 2045 Fund |
| Vanguard Target Retirement 2040 Fund |
| Vanguard Target Retirement 2035 Fund |
| Vanguard Target Retirement 2030 Fund |
| Vanguard Target Retirement 2025 Fund |
Investment model portfolios
We provide two types of investment model portfolios for ACC 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 ACC 401(K) PLAN