Investment options of ATLAS NAVIGATORS 401(K) PLAN
Total Available Funds: 33
| Investment Option List |
|---|
| MID-ATLANTIC TRUST COMPANY CASH |
| CHARLES SCHWAB BANK SDBA |
| AMERICAN CENTURY EMERGING MARKETS (ACADX) |
| AMERICAN FUNDS PRESERVATION RETIREMENT (REATX) |
| ASSETMARK AF CONSERVATIVE GROWTH (VSCGX) |
| ASSETMARK AF GROWTH (AFSGX) |
| ASSETMARK AF GROWTH AND INCOME (DGRIX) |
| ASSETMARK AF MODERATE GROWTH (VMGLX) |
| ASSETMARK AF MODERATE GROWTH AND INCOME (RMICX) |
| ASSETMARK PROFILE 3 STRATEGY |
| ASSETMARK PROFILE 4 STRATEGY |
| ASSETMARK PROFILE 5 STRATEGY |
| ASSETMARK PROFILE 6 STRATEGY |
| BLACKROCK ADVANTAGE SM CP CORE (BDSAX) |
| BLACKROCK INCOME FUND (PNMIX) |
| BLACKROCK TOTAL RETURN (MJHQX) |
| COHEN & STEERS REAL ESTATE (CSDIX) |
| FIDELITY MID CAP INDEX (FIIMX) |
| FIDELITY SMALL CAP INDEX (FSISX) |
| HARTFORD INTERNATIONAL OPPORT (HMITX) |
| HARTFORD SCHRODERS US MIDCAP (SCUIX) |
| JPMORGAN LARGE CAP GROWTH (SEEGX) |
| MFS VALUE (MINIX) |
| VANGUARD 500 INDEX (VFINX) |
| VANGUARD MONEY MARKET (VMFXX) |
| VANGUARD TARGET RETIREMENT 2020 (VTWNX) |
| VANGUARD TARGET RETIREMENT 2025 (VTTVX) |
| VANGUARD TARGET RETIREMENT 2030 (VTHRX) |
| VANGUARD TARGET RETIREMENT 2035 (VTTHX) |
| VANGUARD TARGET RETIREMENT 2040 (VFORX) |
| VANGUARD TARGET RETIREMENT 2045 (VTIVX) |
| VANGUARD TARGET RETIREMENT INCOME FUND (VTINX) |
| VANGUARD TOTAL BOND MARKET INDEX (VBMFX) |
Investment model portfolios
We provide two types of investment model portfolios for ATLAS NAVIGATORS 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 ATLAS NAVIGATORS 401(K) PLAN