Investment options of ASPS DEFINED CONTRIBUTION PLAN
Total Available Funds: 57
| Investment Description |
|---|
| Invesco Stable Asset |
| American Beacon Small Cap VL R6 |
| American Funds 2010 Target Date |
| American Funds 2020 Target Date |
| American Funds 2025 Target Date |
| American Funds 2030 Target Date |
| American Funds 2035 Target Date |
| American Funds 2040 Target Date |
| American Funds 2045 Target Date |
| American Funds 2050 Target Date |
| American Funds 2055 Target Date |
| American Funds 2060 Target Date |
| American Funds 2065 Target Date |
| American Funds Euro Pacific Growth Fund Retirement R6 |
| American Funds New Perspective R6 |
| DFA International Core Equity Portfolio |
| Dodge & Cox Income Fund |
| Fidelity Mid Cap Index |
| Fidelity Small Cap Index |
| Fidelity 500 Index |
| Janus Henderson Balanced N |
| Janus Henderson Triton Fund N |
| JPMorgan Mid Cap Growth R6 |
| MFS Growth Fund R6 |
| NYLI MacKay High Yield Corporate Bond R6 |
| Nuveen Mid Cap Value |
| PIMCO Commodities Plus Strategy Fund |
| Vanguard Equity Inc. – Admiral |
| Vanguard Inflation Protected Securities – Admiral |
| AMERFUNDS 2025 TARG DATERET R6 |
| AMERFUNDS 2060 TARG DATERET R6 |
| VANGUARD TOT BND MKT IND- ADM |
| DODGE & COX INCOME FUND X |
| FID SMALL CAP INDEX |
| AMERFUNDS 2010 TARG DATERET R6 |
| AMERFUNDS 2050 TARG DATERET R6 |
| AMERFUNDS 2040 TARG DATERET R6 |
| VANG EQUITY INC ADM |
| AMERFUNDS 2035 TARG DATERET R6 |
| AMERFUNDS 2065 TARG DATERET R6 |
| NYLI MACKAY HY CORP BOND R6 |
| PIMCO COMMODITIESPLUS STR INST |
| DFA INTL CORE EQUITY 2 INST |
| AMERFUNDS 2020 TARG DATERET R6 |
| JANUS HENDERSON BALANCED – N |
| AMERICAN FUNDS EUROPAC GRO- R6 |
| AMERICAN BEACON SM CP VL R6 |
| VANGUARD TOT INTL STK IND ADM |
| AMER FUNDS NEW PERSP R6 |
| FID MID CAP INDEX |
| FID 500 IND |
| VAN INFL PROTECTED SEC – ADMR |
| NUVEEN MID CAP VALUE 1 FUNDI |
| AMERFUNDS 2030 TARG DATERET R6 |
| AMERFUNDS 2045 TARG DATERET R6 |
| AMERICAN FUNDS 2055 TARGET R6 |
| INVESCO STABLE ASSET – ADPZ |
Investment model portfolios
We provide two types of investment model portfolios for ASPS DEFINED CONTRIBUTION 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 ASPS DEFINED CONTRIBUTION PLAN