APERIA SOLUTIONS, INC. 401(K) PLAN Investment Options
Available Funds in APERIA SOLUTIONS, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in APERIA SOLUTIONS, INC. 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 Option List |
|---|
| Investments, at fair value $ 1 |
| Dividends and other interest income |
| Interest income on notes receivable from participants |
| Goldman Sachs Financial Square Government (FGTXX) |
| JP Morgan JP Morgan Equity Index R6 |
| American Funds Growth Fund Amer R3 (PGGAX) |
| Ishares Ishares S&P 500 Index (BSPPX) |
| BlackRock Lifepath Dynamic 2040A (STLAX) |
| Vanguard Large Cap Index (VLCAX) |
| Pioneer Select Mid Cap Growth A (PMCTX) |
| BlackRock Lifepath 2045 (LPHRX) |
| BlackRock Dynamic Retirement A (STLAX) |
| BlackRock Lifepath 2060 (BAPAX) |
| American Funds Emerging Markets (CBNAX) |
| BlackRock Advantage Small Cap Core (BDSAX) |
| Ishares Ishares Russell Midcap Index (CIETX) |
| JP Morgan JP Morgan International Equity (AAIPX) |
| American Century Small Cap Value R6 (IACIX) |
| American Funds Washington Mutual R3 (FWMMX) |
| American Funds Europacific Growth R6 (FEPUX) |
| BlackRock High Yield Bond (BHYIX) |
| BlackRock Lifepath 2035 (LPJCX) |
| BlackRock Lifepath 2050 (LPRFX) |
| BlackRock Lifepath Dynamic 2030A (STLAX) |
| American Funds American Balanced R3 (GBLAX) |
| Dodge & Cox Dodge & Cox Global Stock (DODWX) |
| Ishares Ishares Msci Eafe Intl Index (BTMGX) |
| Dodge & Cox Dodge & Cox International (DODFX) |
| BlackRock GNMA (BBGPX) |
| Fidelity Asset Manager (FTANX) |
| Pioneer Strategic Inc C (STIZX) |
| BlackRock Lifepath 2055 (LEVAX) |
| BlackRock Lifepath 2065 (LIWAX) |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| BLACKROCK LIFEPATH 2035 K (LPJCX) |
| BLACKROCK LPD 2060 K |
| BLACKROCK LIFEPATH 2045 K (LPHRX) |
| BLACKROCK LIFEPATH RET K (STLAX) |
| ISHARES RUSSELL MIDCAP INDEX K |
| BLACKROCK LIFEPATH 2030 K (STLDX) |
| AMERICAN FUNDS WAMU – R6 |
| ISHARES S&P 500 INDEX K (BSPPX) |
| DODGE & COX GLOBAL STOCK I (DODWX) |
| AF EMERGING MARKETS BD R6 |
| JPMORGAN INTERNATIONAL EQTY R6 (JNUSX) |
| DODGE & COX INTL STOCK I (DODFX) |
| GOLDMAN SACHS FIN SQ GOVT FST (GSDGX) |
| AMC SMALL CAP VALUE FUND – R6 (VISVX) |
| AMERICAN FUNDS EUROPAC GRO- R6 |
| AMF GROWTH FUND OF AMERICA R6 (AMF) |
| AMERFUNDS AMER BALANCED – R6 |
| BLACKROCK ADV SCC K |
| VANGUARD LARGE CAP INDEX ADM (VLCAX) |
| VIC PIO SELECT MC GROWTH R6 |
| BLACKROCK LIFEPATH 2055 K (LEVAX) |
| DWS RREEF REAL EST SEC R6 (RRRBX) |
| JPMORGAN EQUITY INDEX FD – R6 (JHTRX) |
| BLK MORTGAGE-BACKED SEC K |
| BLACKROCK LIFEPATH 2040 K (STLEX) |
| BLACKROCK LIFEPATH 2050 K (LPRFX) |
| BLACKROCK HIGH YIELD K (BHYIX) |
| VIC PIO STRATEGIC INCOME R6 |
| ISHARES MSCI EAFE INTL INDEX K (BTMGX) |
| BLACKROCK LIFEPATH 2065 K (LIWAX) |
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 APERIA SOLUTIONS, INC. 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% | … | … |
Get Key Insights for This Plan
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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
- Passive real estate investments
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