Investment options of APCON, INC.401(K) PLAN
Total Available Funds: 35
| Investment Description |
|---|
| Putnam Retirement Advantage 2035 X – |
| Putnam Retirement Advantage MAT X – |
| Putnam Retirement Advantage 2025 X – |
| Putnam Retirement Advantage 2045 X – |
| Putnam Retirement Advantage 2030 X – |
| Putnam Retirement Advantage 2055 X – |
| Putnam Retirement Advantage 2040 X – |
| Putnam Retirement Advantage 2060 X – |
| Putnam Retirement Advantage 2050 X – |
| Putnam Growth Opportunities R6 – |
| Vanguard 500 Index Admiral – |
| American Funds New Perspective R6 – |
| T. Rowe Price Blue Chip Growth I – |
| Putnam Large Cap Value R6 – |
| T. Rowe Price Dividend Growth I – |
| Fidelity Mid Cap Index – |
| T. Rowe Price Capital Appreciation I – |
| iShares Russell 2000 Small-Cap Index K – |
| PIMCO Income Instl – |
| BlackRock High Yield Bond Portfolio K – |
| Fidelity Advisor Energy I – |
| Invesco Developing Markets R6 – |
| Janus Henderson Venture N – |
| Franklin Utilities R6 – |
| BlackRock Health Sciences Opps K – |
| John Hancock Bond R6 – |
| Fidelity Advisor International Growth I – |
| PIMCO Int Bond (USD-Hedged) Inst – |
| Empower T. Rowe Price Mid Cap Gr Inst – |
| Delaware Small Cap Value R6 – |
| BlackRock Life Path Index 2055 K – |
| Empower Mid Cap Value Instl – |
| BlackRock Life Path Index 2060 K – |
| BlackRock Life Path Index 2050 K – |
| Empower Key Guaranteed Portfolio Fund *** – |
Investment model portfolios
We provide two types of investment model portfolios for APCON, 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 APCON, INC.401(K) PLAN