Investment options of ACNA 401 K PLAN
Total Available Funds: 24
| Investment Option List |
|---|
| DODGE & COX INCOME FUND (DODIX) |
| DODGE & COX STOCK FUND (DODFX) |
| MFS HERITAGE TRUST COMPANY CIT-MFS INTL EQUITY – CL |
| BNY MELLON WALTER SCOTT GE FUND CLASS II |
| NT COLLECTIVE ACWI EX US FUND NL DC TIER 5 |
| NT COLLECTIVE AGGREGATE BOND INDEX FUND NL (BAGIX) |
| NT COLLECTIVE S&P 500 INDEX FUND DC NL |
| NT EXTENDED EQUITY MARKET INDEX FUND DC NL (PEXMX) |
| VANGUARD RETIREMENT SAVINGS IV (VTINX) |
| VANGUARD INSTITUTIONAL TARGET RET 2020 (VTWNX) |
| VANGUARD TARGET RETIRE 2025 I (VTTVX) |
| VANGUARD INSTITUTIONAL TARGET RET 2030 (VTHRX) |
| VANGUARD INSTITUTIONAL TARGET RET 2035 (VTTHX) |
| VANGUARD INSTITUTIONAL TARGET RET 2040 (VFORX) |
| VANGUARD INSTITUTIONAL TARGET RET 2045 (VTIVX) |
| VANGUARD INSTITUTIONAL TARGET RET 2050 (VFIFX) |
| VANGUARD INSTITUTIONAL TARGET RET 2055 (VFFVX) |
| VANGUARD INSTITUTIONAL TARGET RET 2060 (VTTSX) |
| VANGUARD INSTITUTIONAL TARGET RET 2065 (VSXFX) |
| VANGUARD INSTITUTIONAL TARGET RET 2070 (VSVNX) |
| VANGUARD INSTITUTIONAL TAR RET INCOME (VEIPX) |
| LARGE CAP GROWTH MFS FUND POOLED SEPARATE ACCOUNT (SNIGX) |
| SMALL CAP GROWTH/TIMES SQUARE FUND POOLED SEPARATE ACCOUNT (DPSGX) |
| SMALL CAP VALUE TBCAM POOLED SEPARATE ACCOUNT (VISVX) |
Investment model portfolios
We provide two types of investment model portfolios for ACNA 401 K 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 ACNA 401 K PLAN