Investment options of AMBU 401(K) PLAN
Total Available Funds: 26
| Investment Description |
|---|
| American Funds Washington Mutual Investors Fund R6 3 4,044 |
| Fidelity 500 Index Fund 3 5,874 |
| Fidelity Mid Cap Index Fund 3 7,210 |
| Fidelity Small Cap Index Fund 4 6,997 |
| Janus Henderson Triton Fund N 1 1,934 |
| JPMorgan Equity Income Fund R6 1 7,399 |
| JPMorgan Mid Cap Growth Fund R6 3 2,421 |
| MFS International Diversification Fund R6 1 8,783 |
| PIMCO Income Fund I 8 1,931 |
| Victory Sycamore Established Value Fund R6 1 5,601 |
| Western Asset Core Plus Bond Fund IS 1 2,977 |
| Core Fixed Income Separate Account 3 5,254 |
| T. Rowe Price Large Cap Growth I 8 4,373 |
| Principal LifeTime Hybrid Income CIT Z 3 ,824 |
| Principal LifeTime Hybrid 2015 CIT Z 4 8,500 |
| Principal LifeTime Hybrid 2020 CIT Z 1 7,901 |
| Principal LifeTime Hybrid 2025 CIT Z 7 9,577 |
| Principal LifeTime Hybrid 2030 CIT Z 1 32,865 |
| Principal LifeTime Hybrid 2035 CIT Z 1 20,092 |
| Principal LifeTime Hybrid 2040 CIT Z 1 51,453 |
| Principal LifeTime Hybrid 2045 CIT Z 1 08,135 |
| Principal LifeTime Hybrid 2050 CIT Z 8 2,786 |
| Principal LifeTime Hybrid 2055 CIT Z 7 0,609 |
| Principal LifeTime Hybrid 2060 CIT Z 6 9,548 |
| Principal LifeTime Hybrid 2065 CIT Z 1 5,735 |
| Principal LifeTime Hybrid 2070 CIT Z 1 32 |
Investment model portfolios
We provide two types of investment model portfolios for AMBU 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 AMBU 401(K) PLAN