Investment options of APS TECHNOLOGY 401(K) PLAN
Total Available Funds: 25
| Investment Description |
|---|
| Columbia Balanced Fund Class A |
| Victory Victory Pioneer Fund Class A |
| Vanguard 500 Index Fund Admiral Shares |
| Fidelity Adv Global Eq Income |
| Fidelity Adv Freedom 2030 A |
| Fidelity Advisor Value Strategies Fund Class A |
| Vanguard Small-Cap Growth Index Fund Admiral Shares |
| Fidelity Adv Freedom 2040 A |
| Franklin High Income Fund A |
| Macquarie Macquarie Mid Cap Growth Fund Class A |
| Vanguard Mid-Cap Index Fund Admiral Shares |
| Invesco Core Plus Bond Fund Class A |
| Fidelity Adv Freedom 2025 A |
| Fidelity Adv Freedom 2035 A |
| Vanguard Small Cap Value Index Fund Admiral Shares |
| Goldman Sachs Emerging Markets Equity Fund Class A |
| Fidelity Adv Freedom 2050 A |
| Fidelity Adv Freedom 2045 A |
| MFS International MFS International Diversification Fund Class R3 |
| Fidelity Advisor Freedom Inc A |
| Columbia Select Large Cap Value Fund Class A |
| Fidelity Adv Freedom 2060 A |
| Fidelity Advisor Freedom 2065 |
| Victory Victory Pioneer US Gov MM Fund |
| Fidelity Adv Freedom 2055 A |
Investment model portfolios
We provide two types of investment model portfolios for APS TECHNOLOGY 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 APS TECHNOLOGY 401(K) PLAN