ABHSERVICES 401(K) PLAN Investment Options
Available Funds in ABHSERVICES 401(K) PLAN
Below is the lineup of investment options available to participants in ABHSERVICES 401(K) 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 |
|---|
| Prin LgCp S & P 500 Index SA-Z Separate Account |
| Prin SmCap S& P 600 Index SA-Z Separate Account |
| Prin MidCap S & P 400 Index SA-Z Separate Account |
| Vaughan Nelson /H&W SmCap Value II SA – Z Separate Account |
| Prin Lifetime Hybr 2015 CIT Z Common/Collective Trust |
| Prin Lifetime Hybr 2025 CIT Z Common/Collective Trust |
| Prin Lifetime Hybr 2030 CIT Z Common/Collective Trust |
| Prin Lifetime Hybr 2035 CIT Z Common/Collective Trust |
| Prin Lifetime Hybr 2040 CIT Z Common/Collective Trust |
| Prin Lifetime Hybr 2045 CIT Z Common/Collective Trust |
| Prin Lifetime Hybr 2050 CIT Z Common/Collective Trust |
| Prin Lifetime Hybr 2055 CIT Z Common/Collective Trust |
| Prin Lifetime Hybr 2060 CIT Z Common/Collective Trust |
| Prin Lifetime Hybr 2065 CIT Z Common/Collective Trust |
| Prin Lifetime Hybr 2070 CIT Z Common/Collective Trust |
| Prin Fixed Inc Guar Option Fixed Account |
| Black Rock Advisors , LLC Registered Investment Company |
| Capital Research and Mgmt Co Registered Investment Company |
| PGIM Investments, LLC Registered Investment Company |
| PIMCO Registered Investment Company |
| Vanguard Group – SEC ADM Fund Registered Investment Company |
| Vanguard Group – Growth Index Fund Registered Investment Company |
| Vanguard Group – Value Index Adm Fund Registered Investment Company |
| AllspringGlobal Investments Registered Investment Company |
| Carillom Eagle Mid ca Gwth Registered Investment Company |
| Janus Henderson Triton Registered Investment Company |
| Dimensional Fund Advisors – Emer Mkt Core Registered Investment Company |
| Dimensional Fund Advisors – Intl Core Registered Investment Company |
| Vanguard Group – Intl Growth Adm Registered Investment Company |
| See accompanying independent auditors' report |
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 ABHSERVICES 401(K) 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
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