Investment options of AGY RETIREMENT SAVINGS PLAN
Total Available Funds: 30
| Investment Description |
|---|
| Galliard Retirement Income Fund Fee CL F35 |
| Columbia Dividend Income Fund |
| T. Rowe Price Dividend Growth Fund |
| American Funds Target Date 2010 R6 |
| American Funds Target Date 2020 R6 |
| American Funds Target Date 2030 R6 |
| American Funds Target Date 2040 R6 |
| American Funds Target Date 2050 R6 |
| American Funds Target Date 2015 R6 |
| American Funds Target Date 2025 R6 |
| American Funds Target Date 2035 R6 |
| American Funds Target Date 2045 R6 |
| American Funds Target Date 2055 R6 |
| American Funds Target Date 2065 R6 |
| Janus Henderson VIT Enterprise Portoflio Institutional Class Fund |
| Dodge & Cox Funds International Stock Fund |
| Invesco Discover Fund Class R6 |
| American Funds Target Date 2060 R6 |
| JPMorgan Large Cap Growth Fund Class R6 |
| Vanguard Small Cap Value Index Admiral Shares Fund |
| Fidelity Investments Investment Grade Bond Fund |
| Fidelity Investments Diversified International K Fund |
| Fidelity Investments Low-Priced Stock K Fund |
| Fidelity Investments Puritan Fund K Fund |
| Fidelity Investments U.S. Bond Index Fund |
| Fidelity Investments |
| Fidelity Investments Global ex U.S. |
| Fidelity Investments Mid Cap Index |
| Fidelity Investments Small Cap Index |
| Notes receivable from participants 3.25% – 8.50% |
Investment model portfolios
We provide two types of investment model portfolios for AGY RETIREMENT SAVINGS 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 AGY RETIREMENT SAVINGS PLAN