Investment options of ARAGRA 401(K) PLAN
Total Available Funds: 29
| Investment Description |
|---|
| Empower Trust Company, American Funds American |
| Empower Trust Company, Baron Emerging Markets R6 |
| Empower Trust Company, BrandyWineGlobal High Yield I |
| Empower Trust Company, Columbia Overseas Value Instl |
| Empower Trust Company, Empower Multi-Sector Bond Inst |
| Empower Trust Company, Putnam Growth Opportunities R6 |
| Empower Trust Company, T. Row Price Mid-Cap Value |
| Empower Trust Company, Vanguard 500 Index Admiral |
| Empower Trust Company, Vanguard Developed Markets |
| Empower Trust Company, Vanguard Emerging Mkts Stock |
| Empower Trust Company, Vanguard Equity Income Adm |
| Empower Trust Company, Vanguard Interm-Term |
| Empower Trust Company, Vanguard Mid Cap Index Fund- |
| Empower Trust Company, Vanguard Small Cap Index Adm |
| Empower Trust Company, Virtus KAR Mid Cap Core R6 |
| Empower Trust Company, Flexpath Index Aggressive 2035 |
| Empower Trust Company, Flexpath Index Aggressive 2045 |
| Empower Trust Company, Flexpath Index Aggressive 2055 |
| Empower Trust Company, Flexpath Index Aggressive Retire |
| Empower Trust Company, Flexpath Index Conservative |
| Empower Trust Company, Flexpath Index Moderate Retire |
| Empower Trust Company, Flexpath Index Moderate 2035 R1 |
| Empower Trust Company, Flexpath Index Moderate 2045 R1 |
| Empower Trust Company, Flexpath Index Moderate 2055 R1 |
| Empower Trust Company, Flexpath Index Moderate 2065 R1 |
| Empower Trust Company, International Growth Fund II R1 |
| Empower Trust Company, Small Cap Growth Fund III Class |
| Empower Trust Company, Small Cap Value Fund III Fee |
| Empower Trust Company, Large Cap Growth Fund III Class |
Investment model portfolios
We provide two types of investment model portfolios for ARAGRA 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 ARAGRA 401(K) PLAN