Your American Airlines 401(k) plan investment menu consists of four tiers, each focused on a different style of investing (see below). Because your investment preferences are as individual as you are, the tiers allow you to easily identify the differences between the options and choose those that fit you best. Whether you’re a hands-off investor or hands-on investor, the 401(k) plan investment menu has custom fund options to help you achieve your retirement goals.
For hands-on investors, you can develop a personalized investment strategy on your own or with help of tools available on the Fidelity NetBenefits® website. At no additional cost, you can take advantage of one-in-one consultations by contacting Fidelity at 800-603-4015 or by visiting the Planning & Guidance Center to help you identify an asset mix that aligns with your goals.
Tier 1: Target Date Funds
These funds give you a diversified, all-in-one mix of stocks, bonds, short-term investments, and other investment options found individually in Tiers 2 and 3. Each fund is a custom mix, specifically designed just for team members of American Airlines. You choose the fund based on the year closest to the date you expect to retire, and over time, the fund adjusts to grow more conservative as it reaches its target date.
Tier 2: Index Funds
These funds are clearly labeled by asset class and are designed to track the structure and performance of their associated market index.
Tier 3: Actively Managed Funds
These funds are clearly labeled by asset class and try to outperform — or beat — the returns of their associated market index like the S&P 500.
Tier 4: Self-Directed Brokerage Account
Fidelity BrokerageLink® is an account within the 401(k) plan that gives you access to thousands of mutual funds and other investment options beyond those offered in Tiers 1, 2 and 3.
Plus professional management for your 401(k) account
For employees who prefer to partner with an expert, the plan offers the Professional Management program. When you enroll, the Edelman Financial Engines financial research team researches and analyzes the options available in your plan to create a customized investment strategy. Edelman Financial Engines monitors your portfolio on an ongoing basis, making adjustments as needed to help keep your portfolio properly diversified and on track. There is a management fee for this service.
You can select your mix of investment options or make changes at any time by logging on to your 401(k) account on the Fidelity NetBenefits® website or speak with a representative from the American Airlines Service Center at Fidelity at 800-354-3412. Dedicated representatives are available to assist you Monday through Friday, 8:30 a.m. to midnight ET.