Atlantic Housing Foundation 401(k) Plan
Welcome to your retirement plan learning center.
Information to help you with your retirement plan enrollment, investment options, plan description, and financial wellness program.
Service Providers
Investment Management and Participant Education
Evidence Advisors Investment Management provides assistance with the monitoring and selection of the investment choices in your plan. Evidence Advisors also supplies financial wellness tools and investment education to participants.
Plan Recordkeeper
Ameritas is the recordkeeper for the Atlantic Housing 401(k) plan. Ameritas provides a website and online platform for participants to log in and manage their retirement accounts. Ameritas provides participants with assistance regarding transactions, loans, website, enrollment, and other account-related inquiries.
Planning for the Future Why 401(k)?
Features
Summary Plan Description
Overview of your retirement plan features and provisions
Investment Options
Low-cost mutual fund investment menu monitored by Evidence Advisors, LLC
Financial Wellness
Investment education, financial planning tools, newsletter, and live training
Planning Assistance
A retirement plan advisor can help with your investment or financial planning needs.
Financial Wellness
Let's Make a Plan @ Wor(k)
Financial Planning Tools and Investment Education for your 401(k) Retirement Plan
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Atlantic Housing Foundation
401(k) Plan Investment Menu
Every fund in the plan, grouped by what it actually does — from cash-like stability to long-term growth. Use this as a map, not a recommendation: the right mix depends on your own timeline and comfort with risk.
All-in-one: Target Date Funds
The simplest option. Pick the fund closest to the year you plan to retire, and it automatically shifts from growth-focused to more conservative as that year approaches. Thirteen funds cover retirement dates from today through 2070.
These are Fidelity Freedom® Index Funds — low-cost, index-based, and managed to a "glide path" that gradually gets more conservative over time. A common rule of thumb: choose the fund with the year closest to when you turn 65.
Cash & Stability
The steadiest option in the plan — designed to preserve what you put in, with minimal ups and downs.
Vanguard Federal Money Market Fund
VMFXXInvests in short-term U.S. government securities. Behaves like cash — very low risk, very low expected return.
Bonds
Loans to governments and companies. Bonds typically move less than stocks and provide steady income, cushioning a portfolio when stocks fall.
Vanguard Short-Term Corporate Bond Index Adm
VSCSXInvestment-grade company bonds maturing in 1–5 years. Lower interest-rate risk than longer bond funds.
DFA Inflation-Protected Securities
DIPSXU.S. Treasury bonds whose value adjusts with inflation — a hedge against rising prices.
Vanguard Intermediate-Term Bond Index Adm
VBILXA broad mix of U.S. government and investment-grade corporate bonds, medium-term maturities.
Vanguard Intermediate-Term Investment-Grade Adm
VFIDXActively managed, high-quality corporate and government bonds with a medium-term horizon.
DFA Global Core Plus Fixed Income Instl
DGCFXBonds from the U.S. and abroad, currency-hedged, for broader fixed-income diversification.
Balanced
One fund, two ingredients — a steady, pre-mixed blend of stocks and bonds.
Vanguard Balanced Index Fund Adm
VBIAXRoughly 60% U.S. stocks and 40% U.S. bonds in a single fund — moderate growth with moderate ups and downs.
U.S. Stocks
Ownership stakes in American companies. Higher long-term growth potential, with more short-term ups and downs than bonds.
Fidelity 500 Index Fund
FXAIXTracks the S&P 500 — 500 of the largest U.S. companies.
Schwab Total Stock Market Index
SWTSXOwns the entire U.S. stock market — large, mid, and small companies in one fund.
Vanguard Value Index Fund Adm
VVIAXLarge U.S. companies priced conservatively relative to earnings — a "value" style tilt.
Fidelity Large Cap Growth Index
FSPGXLarge U.S. companies expected to grow faster than average — a "growth" style tilt.
Fidelity Mid Cap Index Fund
FSMDXMid-sized U.S. companies — bigger than small-caps, with more room to grow than large-caps.
Schwab U.S. Small-Cap Index
SWSSXSmaller U.S. companies — historically higher growth potential, and higher volatility.
International Stocks
Ownership stakes in companies outside the U.S. — spreads risk beyond a single country's economy.
Vanguard Developed Markets Index Adm
VTMGXCompanies in established economies like Europe, Japan, and Canada.
Fidelity Emerging Markets Index
FPADXCompanies in faster-growing but less established economies — higher potential, higher risk.
Real Estate
A different kind of growth engine — tied to property markets rather than the broader stock market.
DFA Real Estate Securities Portfolio
DFREXInvests in REITs and real estate companies — residential, commercial, and industrial property.
