APACHE INDUSTRIAL SERVICES 401(K) RETIREMENT PLAN Investment Options
Available Funds in APACHE INDUSTRIAL SERVICES 401(K) RETIREMENT PLAN
Below is the lineup of investment options available to participants in APACHE INDUSTRIAL SERVICES 401(K) RETIREMENT 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 Option List |
|---|
| VOYA FINANCIAL AB GLOBAL BOND FUND (IOSIX) |
| VOYA FINANCIAL AMERICAN FUNDS GROWTH FUND (PGGAX) |
| VOYA FINANCIAL AMERICAN FUNDS NEW PERSPECTIVE FUND (FFPNX) |
| VOYA FINANCIAL DFA INFLATION-PROTECTED SECURITIES PORTFOLIO (DIPSX) |
| VOYA FINANCIAL DFA REAL ESTATE SECURITIES PORTFOLIO (DFREX) |
| VOYA FINANCIAL DFA US TARGETED VI PORTFOLIO |
| VOYA FINANCIAL FIDELITY 500 INDEX FUND (FFSIX) |
| VOYA FINANCIAL FIDELITY MID CAP INDEX FUND (AIMIX) |
| VOYA FINANCIAL FIDELITY SMALL CAP INDEX FUND (NAPIX) |
| VOYA FINANCIAL FIT BALANCED PORTFOLIO (IBPIX) |
| VOYA FINANCIAL FIT CONSERVATIVE PORTFOLIO (PFGSX) |
| VOYA FINANCIAL FIT GROWTH PORTFOLIO |
| VOYA FINANCIAL FIT MODERATE CONSERVATIVE PORTFOLIO (PFGSX) |
| VOYA FINANCIAL JPMORGAN U. S. RESEARCH ENHANCED EQUITY FUND (OIEAX) |
| VOYA FINANCIAL MYCOMPASS INDEX AGGRESSIVE 2025 FUND |
| VOYA FINANCIAL MYCOMPASS INDEX AGGRESSIVE 2035 FUND |
| VOYA FINANCIAL MYCOMPASS INDEX AGGRESSIVE 2045 FUND |
| VOYA FINANCIAL MYCOMPASS INDEX AGGRESSIVE 2055 FUND |
| VOYA FINANCIAL MYCOMPASS INDEX AGGRESSIVE 2065 FUND |
| VOYA FINANCIAL MYCOMPASS INDEX AGGRESSIVE RETIREMENT FUND |
| VOYA FINANCIAL MYCOMPASS INDEX CONSERVATIVE 2025 FUND (PFGSX) |
| VOYA FINANCIAL MYCOMPASS INDEX CONSERVATIVE 2035 FUND (PFGSX) |
| VOYA FINANCIAL MYCOMPASS INDEX CONSERVATIVE 2045 FUND (PFGSX) |
| VOYA FINANCIAL MYCOMPASS INDEX CONSERVATIVE 2055 FUND (PFGSX) |
| VOYA FINANCIAL MYCOMPASS INDEX CONSERVATIVE 2065 FUND (PFGSX) |
| VOYA FINANCIAL MYCOMPASS IND CONSERVATIVE RET FUND |
| VOYA FINANCIAL MYCOMPASS INDEX MODERATE 2025 FUND |
| VOYA FINANCIAL MYCOMPASS INDEX MODERATE 2035 FUND |
| VOYA FINANCIAL MYCOMPASS INDEX MODERATE 2045 FUND |
| VOYA FINANCIAL MYCOMPASS INDEX MODERATE 2055 FUND |
| VOYA FINANCIAL MYCOMPASS INDEX MODERATE 2065 FUND |
| VOYA FINANCIAL MYCOMPASS INDEX MODERATE RETIREMENT FUND (IRMGX) |
| VOYA FINANCIAL NEUBERGER BERMAN MID CAP GROWTH FUND (NMANX) |
| VOYA FINANCIAL PGIM HIGH YIELD FUND (IPHYX) |
| VOYA FINANCIAL VANGUARD BALANCED INDEX FUND (VBINX) |
| VOYA FINANCIAL VANGUARD EMERGING MARKETS STOCK INDEX FUND (VEIEX) |
| VOYA FINANCIAL VANGUARD EQUITY INCOME FUND (VEIPX) |
| VOYA FINANCIAL VANGUARD EXPLORER FUND (VINEX) |
| VOYA FINANCIAL VANGUARD INTERNATIONAL GROWTH FUND (VWILX) |
| VOYA FINANCIAL VANGUARD MID- CAP VALUE INDEX FUND (VMVIX) |
| VOYA FINANCIAL VOYA INTERMEDIATE BOND FUND (IICIX) |
| VOYA FINANCIAL VOYA GOVERNMENT MONEY MARKET FUND (IMSXX) |
| VOYA FINANCIAL VOYA FIXED ACCOUNT |
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 APACHE INDUSTRIAL SERVICES 401(K) RETIREMENT 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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