Investment options of ALBATRANS, INC. 401(K) PLAN
Total Available Funds: 47
| Investment Description |
|---|
| Company American Funds Capital World G/I R6 |
| American Funds Invmt Co of America R6 |
| Vanguard 500 Index Fund – Admiral |
| American Funds Bond Fund of Amer R6 |
| American Funds 2015 Target Date Fund R6 |
| American Funds 2020 Target Date Fund R6 |
| American Funds 2025 Target Date Fund R6 |
| American Funds 2030 Target Date Fund R6 |
| American Funds 2035 Target Date Fund R6 |
| American Funds 2040 Target Date Fund R6 |
| American Funds 2045 Target Date Fund R6 |
| American Funds 2050 Target Date Fund R6 |
| American Funds 2055 Target Date Fund R6 |
| American Funds 2060 Target Date Fund R6 |
| American Funds 2065 Target Date Fund R6 |
| Vanguard Small Cap Index Fund – Admiral |
| American Funds American Balanced R6 |
| American Funds New Perspective R6 |
| American Funds New World R6 |
| MFS Growth R6 |
| PIMCO Income Instl |
| American Funds Inflation Linked Bond Fund R6 |
| rates from 3.25 percent to 8.50 percent – |
| 1RNPGX 195,032.85 |
| 1RNWGX 185,204.29 |
| 1MFEKX 45,672.01 |
| 1VSMAX 13,784.75 |
| 1RICGX 56,961.83 |
| 1VFIAX 102,694.89 |
| 1RIRGX 5,886.25 |
| 1RLBGX 30,538.12 |
| 1RBFGX 52.95 |
| 1RILFX 400.37 |
| 1PIMIX 851.30 |
| 1RAFXX 265,698.19 |
| 1RFJTX 105,014.88 |
| 1RRCTX 1,055,634.53 |
| 1RFDTX 3,372,663.83 |
| 1RFETX 2,649,385.86 |
| 1RFFTX 1,180,267.85 |
| 1RFGTX 856,637.00 |
| 1RFHTX 651,017.95 |
| 1RFITX 359,540.21 |
| 1RFKTX 189,633.25 |
| 1RFUTX 49,693.47 |
| 1RFVTX 14,148.43 |
| FORFEITURES 2,259.09 |
Investment model portfolios
We provide two types of investment model portfolios for ALBATRANS, INC. 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 ALBATRANS, INC. 401(K) PLAN