Investment options of ACT, INC. DEFINED CONTRIBUTION RETIREMENT PLAN
Total Available Funds: 59
| Investment Description |
|---|
| Benefit-responsive |
| Nonbenefit-responsive |
| College Retirement Equities Fund* CREF Stock Account |
| College Retirement Equities Fund* CREF Social Choice Account |
| College Retirement Equities Fund* CREF Global Equities Account |
| College Retirement Equities Fund* CREF Growth Account |
| College Retirement Equities Fund* CREF Equity Index Account |
| College Retirement Equities Fund* CREF Inflation—Linked Bond Account |
| College Retirement Equities Fund* CREF Core Bond Account |
| College Retirement Equities Fund* American EUPAC Fund |
| College Retirement Equities Fund* Vanguard Institutional |
| College Retirement Equities Fund* Vanguard Small Cap Index Fund |
| College Retirement Equities Fund* Vanguard Mid-Cap Index Fund |
| College Retirement Equities Fund* Principal LifeTime Hybrid 2015 Fund |
| College Retirement Equities Fund* Principal LifeTime Hybrid 2020 Fund |
| College Retirement Equities Fund* Principal LifeTime Hybrid 2025 Fund |
| College Retirement Equities Fund* Principal LifeTime Hybrid 2030 Fund |
| College Retirement Equities Fund* Principal LifeTime Hybrid 2035 Fund |
| College Retirement Equities Fund* Principal LifeTime Hybrid 2040 Fund |
| College Retirement Equities Fund* Principal LifeTime Hybrid 2045 Fund |
| College Retirement Equities Fund* Principal LifeTime Hybrid 2050 Fund |
| College Retirement Equities Fund* Principal LifeTime Hybrid 2055 Fund |
| College Retirement Equities Fund* Principal LifeTime Hybrid 2060 Fund |
| College Retirement Equities Fund* Principal LifeTime Hybrid Income Fund |
| College Retirement Equities Fund* MFS Value Fund |
| College Retirement Equities Fund* Harbor Capital Appreciation Fund |
| College Retirement Equities Fund* JPMorgan Mid Cap Value Fund |
| College Retirement Equities Fund* BlackRock Mid-Cap Growth Equity Fund |
| College Retirement Equities Fund* Principal LifeTime Hybrid 2065 R6 |
| College Retirement Equities Fund* Principal SmallCap Growth Fund |
| College Retirement Equities Fund* Principal SmallCap Value Fund II |
| Fidelity Management Trust Company* Fidelity Select Semiconducters Portfolio |
| Fidelity Management Trust Company* Fidelity Select Consumer Staples Portfolio |
| Fidelity Management Trust Company* Fidelity Contrafund |
| Fidelity Management Trust Company* Fidelity Growth Company Fund |
| Fidelity Management Trust Company* Fidelity Value Fund |
| Fidelity Management Trust Company* Fidelity Select Gold Portfolio |
| Fidelity Management Trust Company* Fidelity Select Biotechnology Portfolio |
| Fidelity Management Trust Company* Fidelity Select Technology Portfolio |
| Fidelity Management Trust Company* Fidelity New Millennium Fund |
| Fidelity Management Trust Company* Fidelity Europe Fund |
| Fidelity Management Trust Company* Fidelity Pacific Basin Fund |
| Fidelity Management Trust Company* Fidelity Balanced Fund |
| Fidelity Management Trust Company* Fidelity Canada Fund |
| Fidelity Management Trust Company* Fidelity Blue Chip Growth Fund |
| Fidelity Management Trust Company* Fidelity Select Banking Portfolio |
| Fidelity Management Trust Company* Fidelity Select Materials Portfolio |
| Fidelity Management Trust Company* Fidelity Natural Resources Fund |
| Fidelity Management Trust Company* Fidelity Environment and Alternative Energy Fund |
| Fidelity Management Trust Company* Fidelity Nasdaq Composite Index Fund |
| Fidelity Management Trust Company* Fidelity Small Cap Growth Fund |
| Fidelity Management Trust Company* Fidelity Global Commodity Stock Fund |
| Fidelity Management Trust Company* Fidelity 500 Index Fund |
| Fidelity Management Trust Company* Fidelity Freedom 2030 Fund |
| Vanguard Funds Vanguard Target Retirement 2035 Fund |
| Guggenheim Investments Guggenheim Macro Opportunities Fund |
| Lord Abbot Funds Lord Abbett Bond Debenture Fund |
| Portfolio |
| Eaton Vance Strategic Income Fund |
Investment model portfolios
We provide two types of investment model portfolios for ACT, INC. DEFINED CONTRIBUTION 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 ACT, INC. DEFINED CONTRIBUTION RETIREMENT PLAN