401(K) PROFIT SHARING PLAN FOR EMPLOYEES OF INDIANA LEGAL SERVICES, INC. Investment Options
Available Funds in 401(K) PROFIT SHARING PLAN FOR EMPLOYEES OF INDIANA LEGAL SERVICES, INC.
Below is the lineup of investment options available to participants in 401(K) PROFIT SHARING PLAN FOR EMPLOYEES OF INDIANA LEGAL SERVICES, INC.. 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 |
|---|
| (MOA) Interest rate as of 1/1/2019: 1.00% # |
| MOA Aggressive Allocation Account # |
| MOA Conservative Allocation Account # |
| MOA Bond Fund # |
| MOA T. Rowe Price Blue Chip Growth Portfolio # |
| MOA Calvert VP SRI Balanced Account # |
| MOA Equity Index Account # |
| MOA Fidelity Inv VIP Mid Cap Portfolio Account # |
| MOA Fidelity Investments VIP Asset Manager # |
| MOA Fidelity Investments VIP Contra fund Account # |
| MOA Fidelity Investments VIP Equity Income Account # |
| MOA American Funds IS New World Fund # |
| MOA Mid Cap Value Fund # |
| MOA Mid-Cap Equity Index Account # |
| MOA Intermediate Bond Fund # |
| MOA Balanced Fund # |
| MOA International Account # |
| MOA V.I. Main Street VA # |
| MOA Retirement Income Account # |
| MOA Vanguard VIF REIT Index # |
| MOA PIMCO VIT Real Return Portfolio # |
| MOA 2020 Retirement Account # |
| MOA 2025 Retirement Account # |
| MOA 2030 Retirement Account # |
| MOA 2035 Retirement Account # |
| MOA 2040 Retirement Account # |
| MOA 2045 Retirement Account # |
| MOA 2050 Retirement Account # |
| MOA 2055 Retirement Account # |
| MOA 2060 Retirement Account # |
| MOA 2065 Retirement Account # |
| MOA All America Account # |
| MOA DWS Capital Growth VIP Account # |
| MOA Delaware VIP Small Cap Value Series # |
| MOA Victory RS Small Cap Growth Equity VIP # |
| MOA Small Cap Growth Account # |
| MOA Small-Cap Value Account # |
| MOA Small-Cap Equity Index Account # |
| MOA VIT US Equity Insights # |
| MOA AMT Sustainable Equity Portfolio # |
| MOA VIT Small Cap Equity Portfolio # |
| Account # |
| MOA Vanguard VIF Diversified Value Portfolio Account # |
| MOA Vanguard VIF International Portfolio Account # |
| MOA MFS VIT III Mid Cap Value Portfolio # |
| of MOA Separate Account |
| participants rates ranging from 4.25% – 9.50% |
| Mutual of America American Century Investments VP Capital Appreciation Fund |
| Mutual of America Calvert VP SRI Balanced Portfolio |
| Mutual of America DWS Capital Growth VIP |
| Mutual of America Fidelity VIP Asset Manager Portfolio |
| Mutual of America Fidelity VIP Contrafund Portfolio |
| Mutual of America Fidelity VIP Equity-Income Portfolio |
| Mutual of America Fidelity VIP Mid Cap Portfolio |
| Mutual of America Goldman Sachs VIT Small Cap Equity Insights Fund |
| Mutual of America Goldman Sachs VIT US Equity Insights Fund |
| Mutual of America Invesco V.I. Main Street Fund |
| Mutual of America Loan Fund |
| Mutual of America Macquarie VIP Small Cap Value Series |
| Mutual of America MFS VIT III Mid Cap Value Portfolio |
| Mutual of America MoA Aggressive Allocation Fund |
| Mutual of America MoA All America Fund |
| Mutual of America MoA Balanced Fund |
| Mutual of America MoA Clear Passage 2020 Fund |
| Mutual of America MoA Clear Passage 2025 Fund |
| Mutual of America MoA Clear Passage 2030 Fund |
| Mutual of America MoA Clear Passage 2035 Fund |
| Mutual of America MoA Clear Passage 2040 Fund |
| Mutual of America MoA Clear Passage 2045 Fund |
| Mutual of America MoA Clear Passage 2050 Fund |
| Mutual of America MoA Clear Passage 2055 Fund |
| Mutual of America MoA Clear Passage 2060 Fund |
| Mutual of America MoA Clear Passage 2065 Fund |
| Mutual of America MoA Conservative Allocation Fund |
| Mutual of America MoA Core Bond Fund |
| Mutual of America MoA Equity |
| Mutual of America MoA Intermediate Bond Fund |
| Mutual of America MoA International Fund |
| Mutual of America MoA Mid Cap Equity |
| Mutual of America MoA Mid Cap Value Fund |
| Mutual of America MoA Retirement Income Fund |
| Mutual of America MoA Small Cap Equity |
| Mutual of America MoA Small Cap Growth Fund |
| Mutual of America MoA Small Cap Value Fund |
| Mutual of America Mutual of America Interest Accumulation Account |
| Mutual of America Neuberger Berman AMT Sustainable Equity Portfolio |
| Mutual of America PIMCO VIT Real Return Portfolio |
| Mutual of America T. Rowe Price Blue Chip Growth Portfolio |
| Mutual of America Vanguard VIF Diversified Value Portfolio |
| Mutual of America Vanguard VIF International Portfolio |
| Mutual of America Victory RS Small Cap Growth Equity VIP Series |
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 401(K) PROFIT SHARING PLAN FOR EMPLOYEES OF INDIANA LEGAL SERVICES, INC.. 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?
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