Investment options of APOGEE 401(K) PLAN
Total Available Funds: 31
| Investment Description |
|---|
| <div> |
| <ul> |
| <li>IRFTTX 80,804</li> |
| <li>IRFJTX 100,991</li> |
| <li>IRRCTX 185,362</li> |
| <li>IRFDTX 161,789</li> |
| <li>IRFETX 251,094</li> |
| <li>IRFFTX 303,782</li> |
| <li>IRFGTX 239,221</li> |
| <li>IRFHTX 30,082</li> |
| <li>IRFITX 33,639</li> |
| <li>IRFKTX 20,696</li> |
| <li>IRFUTX 20,075</li> |
| <li>IRIGGX 74,169</li> |
| <li>IRNWFX 129,501</li> |
| <li>IMAIIX 173,072</li> |
| <li>IQUAIX 467,142</li> |
| <li>IBDBKX 76,863</li> |
| <li>IFRSCV6 41,287</li> |
| <li>IBRMKX 129,657</li> |
| <li>IHAGIX 58,414</li> |
| <li>IJVMRX 49,398</li> |
| <li>IWFSPX 319,008</li> |
| <li>IOIEJX 60,837</li> |
| <li>ITBCIX 1,088,346</li> |
| <li>ILBNVX 11,153</li> |
| <li>IPFORX 31,259</li> |
| <li>IPTRQX 148,282</li> |
| <li>IKGPGW 254,397</li> |
| </ul> |
| </div> |
Investment model portfolios
We provide two types of investment model portfolios for APOGEE 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 APOGEE 401(K) PLAN