Investment options of AAFCPAS, INC 401(K) SAVINGS PLAN
Total Available Funds: 36
| Investment Option List |
|---|
| FIDELITY INVESTMENTS 500 INDEX (FUSEX) |
| MORGAN STANLEY MSIF GLOBAL OPP PTP I (SRTDX) |
| HARTFORD FUNDS HTFD CORE EQUITY R6 (HGIYX) |
| FIDELITY INVESTMENTS FREEDOM 2030 (FFFEX) |
| FIDELITY INVESTMENTS FREEDOM 2055 (FDEWX) |
| FIDELITY INVESTMENTS FREEDOM 2035 (FFTHX) |
| FIDELITY INVESTMENTS FREEDOM 2045 (FFFGX) |
| FIDELITY INVESTMENTS GOVERNMENT MONEY MARKET (SPAXX) |
| PARNASSUS INVESTMENTS PARNASSUS MID CAP (PARMX) |
| VANGUARD VANGUARD WELLESLEY (VWIAX) |
| VANGUARD VANGUARD VALUE INDEX ADM (VTRIX) |
| FIDELITY INVESTMENTS FREEDOM 2025 (FFTWX) |
| CALVERT CALVERT EMERGING MARKETS EQ I (CMERX) |
| WASATCH GLOBAL INVESTORS WASATCH CORE GROWTH (WGROX) |
| FIDELITY INVESTMENTS FREEDOM 2050 (FFFHX) |
| FIDELITY INVESTMENTS US BOND INDEX (FSHBX) |
| FIDELITY INVESTMENTS FREEDOM 2040 (FFFFX) |
| INVESCO INVS SUMMIT R5 (SMMIX) |
| FRANKLIN TEMPLETON WA CORE BOND I (ITFIX) |
| COHEN & STEERS REAL ESTATE I (CSDIX) |
| THORNBURG GLOBAL INVESTMENT THORNBURG STRATEGIC INCOME R5 (TIBIX) |
| FIDELITY INVESTMENTS FREEDOM 2060 (FDKNX) |
| FIDELITY INVESTMENTS EXTENDED MARKET INDEX (FSEMX) |
| FIDELITY INVESTMENTS INTL INDEX (FAPCX) |
| SATURNA CAPITAL AMANA GROWTH INST (AMAGX) |
| PIMCO PIM INTL BD US$HG I |
| FIDELITY INVESTMENTS FIDELITY FREEDOM 2005 (FFFVX) |
| AMERICAN FUNDS AF CAP WORLD G&I R6 |
| ALLSPRING GLOBAL INVESTMENTS ALLSPRING SPECIAL MID CAP VALUE IS (SMCDX) |
| PACIFIC INCOME ADVISORS PIA HIGH YIELD INSTITUTIONAL |
| HARTFORD FUNDS HTFD TOT RET BOND R6 |
| FIDELITY INVESTMENTS FREEDOM INCOME (FFFAX) |
| FIDELITY INVESTMENTS FREEDOM 2010 (FFFCX) |
| FIDELITY INVESTMENTS FREEDOM 2020 (FFFDX) |
| FIDELITY INVESTMENTS US SUSTAINABILITY INDEX (FENSX) |
| FIDELITY INVESTMENTS FREEDOM 2065 (FAXDX) |
Investment model portfolios
We provide two types of investment model portfolios for AAFCPAS, INC 401(K) SAVINGS PLAN participants. You can customize and follow a model portfolio in your plan account.
Types of portfolio strategies
- Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
- Less error-prone
- Infrequent rebalancing or transactions
- Tax efficient for taxable brokerage investments
- Cons:
- Interim loss or drawdown can be substantial
- Possible low returns for an extended period, such as 10 years or longer
- Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
- Reduce large interim loss or drawdown
- Less sensitive to investment entry point
- Likely to improve returns
- Cons
- Demand more frequent rebalancing or transactions
- Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
- Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets
These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.
Let us know (Email us) if you need help to create a custom model portfolio for your plan.
Retirement Plan (401(k)) Info for AAFCPAS, INC 401(K) SAVINGS PLAN