Investment options of ACMC SYSTEM SAVINGS INVESTMENT PLAN
Total Available Funds: 30
| Investment Option List |
|---|
| AMERICAN BEACON ABF LARGE CAP VAL Y (AAGPX) |
| T. ROWE PRICE TRP DIV GROWTH (PRDGX) |
| ROYCE ROYCE SM CP OPPS IS |
| PIMCO PIM REAL RETURN I2 (PRLPX) |
| JANUS HENDERSON J H ENTERPRISE I (JMGRX) |
| FIDELITY FID VALUE (HMIEX) |
| FIDELITY FID INTL DISCOVERY |
| FIDELITY FID STK SEL SM CAP (FDCIX) |
| FIDELITY FID US BOND IDX (HMBDX) |
| FIDELITY FID 500 INDEX (FUSEX) |
| FIDELITY FID INTL INDEX (FAPCX) |
| FIDELITY FID EXTD MKT IDX |
| FIDELITY FID BLUE CHIP GR K6 (FBGRX) |
| FIDELITY FID FREEDOM INC K (FFFAX) |
| FIDELITY FID FREEDOM 2010 K (FFFCX) |
| FIDELITY FID FREEDOM 2015 K (FFVFX) |
| FIDELITY FID FREEDOM 2020 K (FFFDX) |
| FIDELITY FID FREEDOM 2025 K (FFTWX) |
| FIDELITY FID FREEDOM 2030 K (FFFEX) |
| FIDELITY FID FREEDOM 2035 K (FFTHX) |
| FIDELITY FID FREEDOM 2040 K (FFFFX) |
| FIDELITY FID FREEDOM 2045 K (FFFGX) |
| FIDELITY FID FREEDOM 2050 K (FFFHX) |
| FIDELITY FID FREEDOM 2055 K (FDEWX) |
| FIDELITY FID FREEDOM 2060 K (FDKNX) |
| FIDELITY FID FREEDOM 2065 K (FAXDX) |
| FIDELITY FID BALANCED K6 (HMBAX) |
| FIDELITY FID FREEDOM 2070 K (FRBDX) |
| FIDELITY FID GOVT MMKT K6 |
| RATES FROM 4.25% TO 9.50% |
Investment model portfolios
We provide two types of investment model portfolios for ACMC SYSTEM SAVINGS INVESTMENT 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 ACMC SYSTEM SAVINGS INVESTMENT PLAN