ADVANCED COOLING TECHNOLOGIES, INC. 401(K) PLAN Investment Options
Available Funds in ADVANCED COOLING TECHNOLOGIES, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in ADVANCED COOLING TECHNOLOGIES, INC. 401(K) PLAN. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.
When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.
| Investment Description |
|---|
| JPMorgan Large Cap Growth R6 |
| Fidelity 500 Index |
| Fidelity International Index |
| Fidelity Mid Cap Index |
| American Funds American Balanced R6 |
| Virtus Investment Virtus Kar Mid Cap Core R6 |
| Fidelity Small Cap Growth K6 |
| MFS Investment Management MFS International Growth R6 |
| Victory Capital Victory Core Plus Intermediate Bond R6 |
| Empower Empower S&P Small Cap 600 Index Inst |
| American Funds New World R6 |
| Hartford Funds Hartford Dividend And Growth R6 |
| Fidelity Mid Cap Stock K |
| Fidelity Advisor Stock Selector Sm Cp Z |
| JPMorgan US Equity R6 |
| American Funds American Hi Inc Tr R6 |
| Federated Hermes Clover Small Val Fd R6 |
| Allspring Global Investment Allspring Special Mid Cap Value R6 |
| Great Gray Great Gray Trust American Funds 2030 I |
| Great Gray Great Gray Trust American Funds 2050 I |
| Great Gray Great Gray Trust American Funds 2045 I |
| Great Gray Great Gray Trust American Funds 2025 I |
| Great Gray Great Gray Trust American Funds 2055 I |
| Great Gray Great Gray Trust American Funds 2060 I |
| Great Gray Great Gray Trust American Funds 2035 I |
| Great Gray Great Gray Trust American Funds 2065 I |
| Great Gray Great Gray Trust American Funds 2020 I |
| Great Gray Great Gray Trust American Funds 2015 I |
| Great Gray Great Gray Trust American Funds 2040 I |
| EI Fixed Account – Series Class I 1.41% |
How to Build a Smart Portfolio in Your 401(k)
Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:
- Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
- Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
- Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
- Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
- Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.
Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.
Model Asset Allocation Portfolios
Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in ADVANCED COOLING TECHNOLOGIES, INC. 401(K) PLAN. See Asset Allocation Portfolio Templates for a detailed guide.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 4.74% | 18.86% | 12.42% | 5.72% | 8.01% | 7.30% | 6.92% | … | … |
| Five Core Asset Portfolio | 4.70% | 18.79% | 12.38% | 5.55% | 7.97% | 7.19% | 6.94% | … | … |
| Three Core Asset Portfolio | 4.57% | 19.80% | 13.11% | 6.19% | 8.52% | 7.64% | 7.10% | … | … |
| Two Core Asset Portfolio | 3.87% | 19.18% | 13.68% | 6.85% | 9.34% | 8.84% | 7.95% | … | … |
| Yale Endowment Template | 5.35% | 17.45% | 11.87% | 5.56% | 8.33% | 7.96% | 7.55% | … | … |
| S&P 500 Index | 5.96% | 30.43% | 21.65% | 12.98% | 15.09% | 13.73% | 10.93% | … | … |
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
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