3RIVERS RETIREMENT PLAN Investment Options
Available Funds in 3RIVERS RETIREMENT PLAN
Below is the lineup of investment options available to participants in 3RIVERS RETIREMENT PLAN. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.
When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.
| Investment Description |
|---|
| Allspring Special Small Cap Value Fund 895,624.6640 units |
| BNY Mellon Natural Resources Fund 150,113.9377 units |
| Clearbridge International Growth Fund 627,352.8719 units |
| Columbia Global Technology Growth Fund 210,132.5960 units |
| Columbia Limited Duration Credit Fund 635,276.1279 units |
| DFA International Small Company Portfolio 123,368.1657 units |
| Disciplined Growth Investors Small Cap Growth Fund 305,546.4876 units |
| Disciplined Growth Investors Mid Cap Growth Fund 186,595.7524 units |
| Dodge & Cox International Stock Fund 582,606.4353 units |
| JP Morgan Large Cap Growth Fund 1,537,802.9313 units |
| Janus Global Life Sciences Fund 140,696.2689 units |
| Morgan Stanley Global Fixed Income Opportunity Fund 1,201,929.0751 units |
| Nuveen International Equity Index R6 28,724,363.1632 units |
| Schwab Fundamental US Large Company Index Fund 762,834.3398 units |
| Securian AM S&P 500 Index Fund 783,771.3794 units |
| Thornburg Strategic Income 222,227.7413 units |
| Vanguard Intermediate-Term Bond Index Fund 1,313,033.4669 units |
| Vanguard LifeStrategy Conservative Growth Fund 6,819.7907 units |
| Vanguard LifeStrategy Growth Fund 319,554.9635 units |
| Vanguard LifeStrategy Moderate Growth Fund 113,612.8889 units |
| Vanguard Mid-Cap Value Index Fund 283,103.6020 units |
| Vanguard Small-Cap Index Fund 480,924.8053 units |
| Wellington Disciplined US Equity Fund 950,822.9221 units |
| Account—varying interest rate |
How to Build a Smart Portfolio in Your 401(k)
Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:
- Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
- Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
- Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
- Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
- Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.
Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.
Model Asset Allocation Portfolios
Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in 3RIVERS RETIREMENT PLAN. See Asset Allocation Portfolio Templates for a detailed guide.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 4.74% | 18.86% | 12.42% | 5.72% | 8.01% | 7.30% | 6.92% | … | … |
| Five Core Asset Portfolio | 4.70% | 18.79% | 12.38% | 5.55% | 7.97% | 7.19% | 6.94% | … | … |
| Three Core Asset Portfolio | 4.57% | 19.80% | 13.11% | 6.19% | 8.52% | 7.64% | 7.10% | … | … |
| Two Core Asset Portfolio | 3.87% | 19.18% | 13.68% | 6.85% | 9.34% | 8.84% | 7.95% | … | … |
| Yale Endowment Template | 5.35% | 17.45% | 11.87% | 5.56% | 8.33% | 7.96% | 7.55% | … | … |
| S&P 500 Index | 5.96% | 30.43% | 21.65% | 12.98% | 15.09% | 13.73% | 10.93% | … | … |
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
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