ARCTIQ 401(K) PLAN Investment Options

Available Funds in ARCTIQ 401(K) PLAN

Below is the lineup of investment options available to participants in ARCTIQ 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.

Total Available Funds: 34
Investment Description
Participants
Interest income on notes receivable from participants
Interest and dividends
T. Rowe Price GG TRP RET 2035 R1
T. Rowe Price GG TRP RET 2045 R1
T. Rowe Price GG TRP RET 2040 R1
Principal Funds PIF MIDCAP FUND R5
T. Rowe Price GG TRP RET 2030 R1
Black Rock BLKRK TECH OP I
T. Rowe Price GG TRP RET 2025 R1
T. Rowe Price GG TRP RET 2055 R1
Hartford HTFD CORE EQUITY R5
T. Rowe Price GG TRP RET 2050 R1
Franklin Templeton Inv. Funds FKLN RISING DIVS ADV
Principal Funds PIF MDCP S&P400 R6
American Century AC GLOBAL SM CP R6
Columbia COL SM CAP INDEX I2
Fidelity Investments FID GOVT MMKT
Federated Hermes FH MDT SM CAP GRTH I
Columbia COL DIVIDEND INC I3
Prudential PGIM US REAL EST R6
T. Rowe Price GG TRP RET 2065 R1
T. Rowe Price GG TRP RET 2020 R1
Invesco INVS GOLD SPL MIN R6
T. Rowe Price GG TRP RET 2015 R1
Fidelity Investments FA ENERGY I
Fidelity Investments VI SM-CAP VAL R6
Invesco INVS DEVELOP MKT Y
T. Rowe Price WT TRP RET 2060 R1
JPMorgan JPM CORE BOND R6
Invesco JH DSCPL VAL MDCP I
Invesco MFS INTL DIVRSN R4
T. Rowe Price GG TRP RET 2010 R1
Invesco MFS GROWTH ALLOC R4

Click to view the investment model portfolios of this plan ►

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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 ARCTIQ 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% … …
Data as of 05/01/2026, Common starting date is 12/31/2000

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