APEX INNOVATIVE SCIENCES, INC. 401(K) PLAN Investment Options
Available Funds in APEX INNOVATIVE SCIENCES, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in APEX INNOVATIVE SCIENCES, 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 Option List |
|---|
| Empower Trust Co., LLC American Funds 2010 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2015 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2020 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2025 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2030 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2035 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2040 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2045 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2050 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2055 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2060 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC American Funds 2065 Trgt Date Retire R6 (FATSX) |
| Empower Trust Co., LLC BlackRock 20/80 Target Allocation K (BATAX) |
| Empower Trust Co., LLC BlackRock 40/60 Target Allocation K (BATAX) |
| Empower Trust Co., LLC American Funds New World R6 (HVWBX) |
| Empower Trust Co., LLC American Funds SMALLCAP World R6 (FSFWX) |
| Empower Trust Co., LLC Fidelity International Index (FDIVX) |
| Empower Trust Co., LLC Loomis Sayles Global Allocation N (LSGBX) |
| Empower Trust Co., LLC PGIM Jennison International Opps R6 (PWJBX) |
| Empower Trust Co., LLC T. Rowe Price Global Stock I (PRGSX) |
| Empower Trust Co., LLC BlackRock Health Sciences Opps K (SHSSX) |
| Empower Trust Co., LLC Franklin Utilities R6 (FKUTX) |
| Empower Trust Co., LLC Janus Henderson Global Tech Innovation* N (JHISX) |
| Empower Trust Co., LLC Fidelity Small Cap Index (FSISX) |
| Empower Trust Co., LLC Franklin Small Cap Value R6 (FVADX) |
| Empower Trust Co., LLC JPMorgan Small Cap Growth R6 (JISGX) |
| Empower Trust Co., LLC American Century Mid Cap Value R6 (IACIX) |
| Empower Trust Co., LLC BlackRock Mid-Cap Growth Equity K (CMGIX) |
| Empower Trust Co., LLC Fidelity Mid Cap Index (FIIMX) |
| Empower Trust Co., LLC American Funds American Mutual R6 (FFFMX) |
| Empower Trust Co., LLC Fidelity 500 Index (FUSEX) |
| Empower Trust Co., LLC JPMorgan Large Cap Growth R6 (SEEGX) |
| Empower Trust Co., LLC American Funds American Balanced R6 (GBLAX) |
| Empower Trust Co., LLC Fidelity Multi-Asset Index Fund (FAYZX) |
| Empower Trust Co., LLC American Funds Inflation Linked Bd R6 (BFICX) |
| Empower Trust Co., LLC Fidelity US Bond Index (FSHBX) |
| Empower Trust Co., LLC PIMCO Income Instl (PRIFX) |
| Empower Trust Co., LLC PGIM High-Yield R6 (PHYEX) |
| Empower Trust Co., LLC Western Asset Core Plus Bond IS (WACPX) |
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 APEX INNOVATIVE SCIENCES, 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% | … | … |
Get Key Insights for This Plan
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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
- more …
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