BEACON POINTE 401(K) PLAN Investment Options
Available Funds in BEACON POINTE 401(K) PLAN
Below is the lineup of investment options available to participants in BEACON POINTE 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 |
|---|
| Allspring Special Mid Cap Value R6 Fund |
| American Funds Europacific Growth R6 Fund |
| American Funds New World R6 Fund |
| American Funds American Mutual R6 Fund |
| Artisan International Value Institutional Fund |
| Invesco Oppenheimer Developing Markets R6 Fund |
| JP Morgan Small Cap Growth R6 Fund |
| MFS Growth R6 Fund |
| MFS International Diversification R6 Fund |
| MFS Massachusetts Investors Growth Stock R6 Fund |
| Port Street Growth Fund Institutional Class |
| Putnam Large Cap Value R6 Fund |
| Schwab Bank S&P 500 Select Fund |
| TIAA CREF Lifecycle Index 2010 Institutional Fund |
| TIAA CREF Lifecycle Index 2030 Institutional Fund |
| TIAA CREF Lifecycle Index 2035 Institutional Fund |
| TIAA CREF Lifecycle Index 2040 Institutional Fund |
| TIAA CREF Lifecycle Index 2045 Institutional Fund |
| TIAA CREF Lifecycle Index 2050 Institutional Fund |
| TIAA CREF Lifecycle Index 2055 Institutional Fund |
| TIAA CREF Lifecycle Index 2060 Institutional Fund |
| TIAA CREF Lifecycle Index 2065 Institutional Fund |
| T. Rowe Price Diversified Mid-Cap Growth Fund |
| Vanguard Balanced Index Admiral Fund |
| Vanguard Mid Cap |
| Vanguard Small Cap I Fund |
| Victory Sycamore Established Value R6 Fund |
| Victory Sycamore Small Company Opportunity R6 Fund |
| Standard Personal Choice Retirement Accounts |
| Standard Stable Asset D Fund |
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 BEACON POINTE 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
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