Investment options of APEX INNOVATIVE SCIENCES, INC. 401(K) PLAN
Total Available Funds: 39
| Investment Option List |
|---|
| Empower Trust Co., LLC American Funds 2010 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2015 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2020 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2025 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2030 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2035 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2040 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2045 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2050 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2055 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2060 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2065 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC BlackRock 20/80 Target Allocation K (BATAX) |
| Empower Trust Co., LLC BlackRock 40/60 Target Allocation K (BATAX) |
| Empower Trust Co., LLC American Funds New World R6 (HVWBX) |
| Empower Trust Co., LLC American Funds SMALLCAP World R6 (FSFWX) |
| Empower Trust Co., LLC Fidelity International Index (FDIVX) |
| Empower Trust Co., LLC Loomis Sayles Global Allocation N (LSGBX) |
| Empower Trust Co., LLC PGIM Jennison International Opps R6 (PWJBX) |
| Empower Trust Co., LLC T. Rowe Price Global Stock I (PRGSX) |
| Empower Trust Co., LLC BlackRock Health Sciences Opps K (SHSSX) |
| Empower Trust Co., LLC Franklin Utilities R6 (FKUTX) |
| Empower Trust Co., LLC Janus Henderson Global Tech Innovation* N (JHISX) |
| Empower Trust Co., LLC Fidelity Small Cap Index (FSISX) |
| Empower Trust Co., LLC Franklin Small Cap Value R6 (FVADX) |
| Empower Trust Co., LLC JPMorgan Small Cap Growth R6 (JISGX) |
| Empower Trust Co., LLC American Century Mid Cap Value R6 (IACIX) |
| Empower Trust Co., LLC BlackRock Mid-Cap Growth Equity K (CMGIX) |
| Empower Trust Co., LLC Fidelity Mid Cap Index (FIIMX) |
| Empower Trust Co., LLC American Funds American Mutual R6 (FFFMX) |
| Empower Trust Co., LLC Fidelity 500 Index (FUSEX) |
| Empower Trust Co., LLC JPMorgan Large Cap Growth R6 (SEEGX) |
| Empower Trust Co., LLC American Funds American Balanced R6 (GBLAX) |
| Empower Trust Co., LLC Fidelity Multi-Asset Index Fund (FAYZX) |
| Empower Trust Co., LLC American Funds Inflation Linked Bd R6 (BFICX) |
| Empower Trust Co., LLC Fidelity US Bond Index (FSHBX) |
| Empower Trust Co., LLC PIMCO Income Instl (PRIFX) |
| Empower Trust Co., LLC PGIM High-Yield R6 (PHYEX) |
| Empower Trust Co., LLC Western Asset Core Plus Bond IS (WACPX) |
Investment model portfolios
We provide two types of investment model portfolios for APEX INNOVATIVE SCIENCES, 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 APEX INNOVATIVE SCIENCES, INC. 401(K) PLAN