AYAR LABS 401(K) PLAN Investment Options
Available Funds in AYAR LABS 401(K) PLAN
Below is the lineup of investment options available to participants in AYAR LABS 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 |
|---|
| American Funds Washington Mutual R6 |
| DFA US Sustainability Core |
| John Hancock US Growth R6 |
| PIMCO Funds PIMCO Income Fund – Instl |
| Vanguard Group VAN Int Term Treasury Index Adm |
| Vanguard Group VAN International Value – Inv |
| Vanguard Group VAN Target Retirement 2020 |
| Vanguard Group VAN Target Retirement 2025 |
| Vanguard Group VAN Target Retirement 2030 |
| Vanguard Group VAN Target Retirement 2035 |
| Vanguard Group VAN Target Retirement 2040 |
| Vanguard Group VAN Target Retirement 2045 |
| Vanguard Group VAN Target Retirement 2050 |
| Vanguard Group VAN Target Retirement 2055 |
| Vanguard Group VAN Target Retirement 2060 |
| Vanguard Group VAN Target Retirement 2065 |
| Vanguard Group Van Target Retirement Income |
| Vanguard Group Vanguard 500 Index Fund Adm |
| Vanguard Group Vanguard Dev Market Index Adm |
| Vanguard Group Vanguard Emerging Markets Stock Index Adm |
| Vanguard Group Vanguard Growth Index Fund Ad |
| Vanguard Group Vanguard Int Term Inv Gr Adm |
| Vanguard Group Vanguard Intl Growth Adm |
| Vanguard Group Vanguard Mid Cap Index Adm |
| Vanguard Group Vanguard Mid Cap Value Ind Ad |
| Vanguard Group Vanguard Mid Cap Growth Index Adm |
| Vanguard Group Vanguard Sm Cap Val Index Adm |
| Vanguard Group Vanguard Small Cap Growth Index Adm |
| Vanguard Group Vanguard Small Cap Index Adm |
| Rates from 7.5% to 10.5% – |
| VANGUARD EMG MKTS STK IDX ADM |
| VANGUARD SMALL CAP INDEX ADMRL |
| VAN TARGET RETIRE 2030 |
| VANGUARD GROWTH INDEX FUND ADM |
| VANGUARD SM CP GR IDX -ADMIRAL |
| VANGUARD MID CAP VALUE IND ADM |
| VAN TARG RETIRE 2065 |
| VANGUARD MID CAP INDEX – ADM |
| VANGUARD 500 INDEX FUND – ADM |
| AMERICAN FUNDS WAMU – R6 |
| VANGUARD DEV MKT INDEX ADMIRAL |
| VAN TARGET RETIRE INC |
| VAN TARGET RETIRE 2055 |
| VANGUARD INTL GRTH ADM |
| VAN TARG RETIRE 2060 |
| PIMCO INCOME FUND – INSTL |
| VAN TARGET RETIRE 2040 |
| VAN TARGET RETIRE 2050 |
| VAN TARGET RETIRE 2020 |
| VANGUARD SM CAP VAL INDEX ADM |
| VAN TARGET RETIRE 2045 |
| VANGUARD INT TERM INV GR AD |
| VAN TARGET RETIRE 2025 |
| VAN TARGET RETIRE 2035 |
| VAN INTERNATIONAL VALUE – INV |
| VANGUARD FEDERAL MM INV |
| VAN INT TRM TREAS IDX ADM |
| VANGUARD MIDCAP GROWTH IDX ADM |
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 AYAR LABS 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
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
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