Investment options of ATR 401(K) PLAN
Total Available Funds: 25
| Investment Description |
|---|
| Participant Notes Receivable¹ (8.50-9.50%) |
| Principal Guaranteed Interest Accounts¹ |
| AMCAP Fund |
| American Funds Bond Fund of America |
| American Funds Investment Company of America |
| American Funds New World Fund |
| American Funds Washington Mutual Investors Fund |
| American Growth Fund of America |
| Franklin US Government Securities Fund |
| Invesco Charter Fund |
| LifeTime 2015 Fund |
| LifeTime 2020Fund |
| LifeTime 2025 Fund |
| LifeTime 2030 Fund |
| LifeTime 2035 Fund |
| LifeTime2040 Fund |
| LifeTime 2045 Fund |
| LifeTime2050 Fund |
| LifeTime 2055 Fund |
| LifeTime 2060 Fund |
| LifeTime 2065 Fund |
| LifeTime Strategic Income Fund |
| Mid-Cap S&P |
| Small-Cap S&P |
| MFS Research International Fund |
Investment model portfolios
We provide two types of investment model portfolios for ATR 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 ATR 401(K) PLAN