Investment options of APEX HERITAGE GROUP, LP 401(K) PROFIT SHARING PLAN & TRUST
Total Available Funds: 23
| Investment Description |
|---|
| VANGUARD FEDERAL MONEY MARKET INV |
| VANGUARD LIFESTRATEGY INCOME |
| VANGUARD BALANCED INDEX ADM |
| VANGUARD TOTAL BOND MARKET |
| VANGUARD EQUITY INCOME ADM |
| VANGUARD EMERGING MKTS STOCK IDX ADM |
| VANGUARD ENERGY INDEX ADM |
| VANGUARD EXTENDED MARKET INDEX ADM |
| VANGUARD FINANCIALS INDEX ADM |
| VANGUARD 500 INDEX ADM |
| VANGUARD SHORT-TERM INVEST GRADE ADM |
| VANGUARD FTSE SOCIAL INDEX ADM |
| VANGUARD SMALL-CAP GROWTH INDEX ADM |
| VANGUARD SMALL-CAP VALUE INDEX |
| VANGUARD STRATEGIC SMALL-CAPEQUITY INV |
| VANGUARD TOTAL INTL BOND INDEX ADM |
| VANGUARD S-T INFL-PROT SEC IDX ADM |
| VANGUARD COMMUNICATIONS SERVICE ADM |
| VANGUARD TOTAL INTL STOCK INDEX |
| VANGUARD DEVELOPED MKTS INDEX |
| VANGUARD TAX-MANAGED SMALL-CAP ADM |
| VANGUARD UTILITIES INDEX ADM |
| VANGUARD VALUE INDEX ADM |
Investment model portfolios
We provide two types of investment model portfolios for APEX HERITAGE GROUP, LP 401(K) PROFIT SHARING PLAN & TRUST 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 APEX HERITAGE GROUP, LP 401(K) PROFIT SHARING PLAN & TRUST