Investment options of ATOMIC 401(K) PLAN
Total Available Funds: 19
| Investment Option List |
|---|
| Gabelli U.S Treasury Money-Market Fund " (GABXX) |
| T. Rowe Price Blue Chip Growth Fund " (TRBCX) |
| Dodge & Cox Income Fund Class X " (DOXIX) |
| Dodge & Cox Stock Fund Class X " (DOXGX) |
| Janus Henderson Triton Fund Class N " (JSMGX) |
| MFS International Diversification Fund Class R6 " (MDIJX) |
| Fidelity U.S. Bond Index Fund " (FSHBX) |
| Fidelity 500 Index Fund " (FXAIX) |
| Fidelity Mid Cap Index Fund " (FIIMX) |
| Fidelity Small Cap Index Fund " (FSISX) |
| Fidelity Freedom Index Income Fund Institutional Premium Class " (FFGZX) |
| Fidelity Freedom Index 2030 Institutional Premium Class " (FFEGX) |
| Fidelity Freedom Index 2035 Institutional Premium Class " (FFEZX) |
| Fidelity Freedom Index 2040 Institutional Premium Class " (FFIZX) |
| Fidelity Freedom Index 2045 Institutional Premium Class " (FFOLX) |
| Fidelity Freedom Index 2050 Institutional Premium Class " (FFOPX) |
| Fidelity Freedom Index 2055 Institutional Premium Class " (FFLDX) |
| Fidelity Freedom Index 2060 Institutional Premium Class " (FFLEX) |
| Fidelity Freedom Index 2065 Institutional Premium Class " (FFIKX) |
Investment model portfolios
We provide two types of investment model portfolios for ATOMIC 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 ATOMIC 401(K) PLAN