Investment options of POLARIS ENGINEERING 401K PLAN
Total Available Funds: 37
| Investment Option List |
|---|
| AUL Separate Account II American Funds Capital World Growth and Income R3 (CDWAX) |
| AUL Separate Account II American Funds Growth Fund of America R3 (FAFGX) |
| AUL Separate Account II American Funds American Balanced R3 (GBLAX) |
| AUL Separate Account II American Funds Washington Mutual Investors R3 (FWMMX) |
| AUL Separate Account II American Century Small Cap Value (IACIX) |
| AUL Separate Account II Invesco Oppenheimer International Growth A (INGFX) |
| AUL Separate Account II Frankin Income R |
| AUL Separate Account II Janus Henderson Balanced R |
| AUL Separate Account II Clearbridge Aggressive Growth R (SAGYX) |
| AUL Separate Account II T. Rowe Price Ret 2010 R (TRRAX) |
| AUL Separate Account II State Street Russell Small Cap Index I (SIVIX) |
| AUL Separate Account II T. Rowe Price Ret 2050 R (TRRMX) |
| AUL Separate Account II T. Rowe Price Growth Stock R (PRGFX) |
| AUL Separate Account II Jan Hen Triton S |
| AUL Separate Account II Pioneer Sel Mid Cap Growth A (PMCYX) |
| AUL Separate Account II Victory Sycam Establish Val R |
| AUL Separate Account II T. Rowe Price Ret 2005 R (TRRFX) |
| AUL Separate Account II T. Rowe Price Ret 2025 R (TRRHX) |
| AUL Separate Account II T. Rowe Price Ret 2035 R (TRRJX) |
| AUL Separate Account II T. Rowe Price Ret 2045 R (TRRKX) |
| AUL Separate Account II T. Rowe Price Ret 2055 R (TRRNX) |
| AUL Separate Account II T. Rowe Price Ret 2060 R (TRPLX) |
| AUL Separate Account II T. Rowe Price Ret 2065 R (PASUX) |
| AUL Separate Account II Invesco EQV International Equity R |
| AUL Separate Account II State Street S&P 500 Index Fund I |
| AUL Separate Account II T. Rowe Price Ret 2020 R (TRRBX) |
| AUL Separate Account II T. Rowe Price Ret 2030 R (TRRCX) |
| AUL Separate Account II T. Rowe Price Ret 2040 R (TRRDX) |
| AUL Separate Account II Invesco Diversified Div A |
| AUL Separate Account II T. Rowe Price Ret. Balance R |
| AUL Separate Account II Thornburg Ltd. Term Inc. R3 |
| AUL Separate Account II Pioneer Bond A |
| AUL Separate Account II Pilgram High Yield A |
| AUL Separate Account II T. Rowe Price Ret. 2015 R (TRRGX) |
| AUL Separate Account II Invesco Sen Floating Rate A (AFRIX) |
| AUL Separate Account II SSGA S&P Midcap 400 Index Strategy (MPSIX) |
| Investments at fair value |
Investment model portfolios
We provide two types of investment model portfolios for POLARIS ENGINEERING 401K 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 POLARIS ENGINEERING 401K PLAN