Investment options of AMERICAN PORTFOLIOS HOLDINGS, INC. 401(K) PLAN
Total Available Funds: 28
| Investment Description |
|---|
| INVESCO INVESCO STABLE ASSET - ADPZ CLASS N/R |
| FIDELITY FIDELITY FREEDOM INDEX 2040 FUND - PREMIER CLASS N/R |
| STATE STREET STATE STREET EQUITY 500 INDEX FUND - CLASS K N/R |
| DIMENSIONAL FUND ADVISORS DFA COMMODITY STRATEGY PORTFOLIO - INSTITUTIONAL CLASS N/R |
| FIDELITY FIDELITY FREEDOM INDEX 2035 FUND - PREMIER CLASS N/R |
| FIDELITY FIDELITY FREEDOM INDEX 2025 FUND - PREMIER CLASS N/R |
| FIDELITY FIDELITY FREEDOM INDEX 2045 FUND - PREMIER CLASS N/R |
| FIDELITY FIDELITY FREEDOM INDEX INC FUND - PREMIER CLASS N/R |
| VANGUARD VANGUARD MID-CAP INDEX FUND - ADMIRAL CLASS N/R |
| MFS MFS TOTAL RETURN FUND - CLASS R6 N/R |
| BLACKROCK BLACKROCK TOTAL RETURN FUND - CLASS K N/R |
| VANGUARD VANGUARD SMALL CAP VALUE INDEX FUND - ADMIRAL CLASS N/R |
| AMERICAN FUNDS AMERICAN FUNS THE GROWTH FUND OF AMERICA - CASS R6 N/R |
| ISHARES ISHARES MSCI EAFE INTERNATIONAL INDEX FUND - CLASS K N/R |
| GOLDMAN SACHS GOLDMAN SACHS INFLATION PROTECTED SECURITIES FUND - CLASS R6 N/R |
| FIDELITY FIDELITY FREEDOM INDEX 2030 FUND - PREMIER CLASS N/R |
| FIDELITY FIDELITY FREEDOM INDEX 2060 FUND - PREMIER CLASS N/R |
| FIDELITY FIDELITY FREEDOM INDEX 2065 FUND - PREMIER CLASS N/R |
| AMERICAN CENTURY AMERICAN CENTURY EMERGING MARKETS FUND - CLASS R6 N/R |
| T. ROWE PRICE T. ROWE PRICE OVERSEAS STOCK FUND - CLASS I N/R |
| JP MORGAN JP MORGAN EQUITY INCOME FUND - CLASS R N/R |
| VANGUARD VANGUARD SMALL CAP INDEX FUND - ADMIRAL CLASS N/R |
| TIAA TIAA- CREF SMALL CAP BLEND INDEX FUND - INSTITUTIONAL CLASS N/R |
| JANUS HENDERSON JANUS HENDERSON TRITON FUND - CLASS N N/R |
| T. ROWE PRICE T. ROWE PRICE DIVIDEND GROWTH FUND - CLASS I N/R |
| VANGUARD VANGUARD INTERMEDIATE TERM BOND INDEX FUND - ADMIRAL CLASS N/R |
| PRINCIPAL PRINCIPAL REAL ESTATE SECURITIES FUND - CLASS R6 N/R |
| LORD ABBETT LORD ABBETT HIGH YIELD FUND - CLASS R6 N/R |
Investment model portfolios
We provide two types of investment model portfolios for AMERICAN PORTFOLIOS HOLDINGS, 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 AMERICAN PORTFOLIOS HOLDINGS, INC. 401(K) PLAN