Investment options of APPHARVEST 401(K) PLAN
Total Available Funds: 22
| Investment Option List |
|---|
| FIDELITY GOVERNMENT MONEY MARKET FUND (SPAXX) |
| FIDELITY FREEDOM 2045 FUND (FFFGX) |
| FIDELITY FREEDOM 2055 FUND (FDEWX) |
| FIDELITY FREEDOM 2050 FUND (FFFHX) |
| FIDELITY FREEDOM 2060 FUND (FDKNX) |
| FIDELITY FREEDOM 2040 FUND (FFFFX) |
| FIDELITY FREEDOM 2035 FUND (FFTHX) |
| ISHARES S&P 500 INDEX FUND INVESTOR A (BSPPX) |
| FIDELITY CONTRAFUND (FCNTX) |
| FIDELITY FREEDOM 2025 FUND (FFTWX) |
| FIDELITY FREEDOM 2030 FUND (FFFEX) |
| FIDELITY FREEDOM 2065 FUND (FFSFX) |
| HARTFORD DIVIDEND & GROWTH FUND CLASS R5 (HDGYX) |
| FIDELITY FREEDOM 2020 FUND (FFFDX) |
| FIDELITY REAL ESTATE INDEX FUND (FRESX) |
| MFS INTERNATIONAL DIVERSIFICATION FUND CLASS R4 (MDIJX) |
| ISHARES MSCI TOTAL INTERNATIONAL INDEX FUND INVESTOR A (BTMPX) |
| ISHARES RUSSELL 2000 SMALL-AMP;CAP INDEX FUND INVESTOR A (BDBPX) |
| ISHARES RUSSELL MID-AMP;CAP INDEX FUND INVESTOR A (IRGVX) |
| FIDELITY FREEDOM INCOME FUND (FFFAX) |
| T. ROWE PRICE SMALL-AMP;CAP VALUE (PRSVX) |
| FIDELITY FREEDOM 2015 FUND (FFVFX) |
Investment model portfolios
We provide two types of investment model portfolios for APPHARVEST 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 APPHARVEST 401(K) PLAN