APTIVE RESOURCES 401(K) Investment Options
Available Funds in APTIVE RESOURCES 401(K)
Below is the lineup of investment options available to participants in APTIVE RESOURCES 401(K). 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 |
|---|
| interest from 5.0% to 9.5% |
| VANG TOT STK MKT IDX – ADMIRAL |
| BLACKROCK MID-CAP VALUE K |
| FID FREE INDX 2050 IP |
| VANGUARD DEV MKT INDEX ADMIRAL |
| FID FREE INDX 2035 IP |
| CAL US LC CORE RESP INDEX R6 |
| MACQUARIE MID CAP GROWTH R6 |
| VANGUARD VALUE INDEX FUND ADMR |
| FID FREE INDX 2040 IP |
| VANGUARD 500 INDEX FUND – ADM |
| FID FREE INDX 2025 IP |
| VANGUARD GROWTH INDEX FUND ADM |
| PGIM HIGH YIELD FUND R6 |
| FID FREE INDX 2045 IP |
| FID FREE INDX 2060 IP |
| AMC SMALL CAP GROWTH – R6 |
| FID FREE INDX 2030 IP |
| FID MID CAP INDEX |
| PIMCO RAE US SM INSTL |
| FID FREE INDX 2055 IP |
| PIMCO INTL BOND USD HDGD I |
| FID FREE INDX 2020 IP |
| MASSMUTUAL SM CAP OPP I |
| VANGUARD INTERMEDIATE TERM BON |
| FIDELITY EMERGING MARKETS K |
| FID FREE INDEX 2065 IP |
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 APTIVE RESOURCES 401(K). 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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