BERNARDI AUTO GROUP RETIREMENT PLAN Investment Options
Available Funds in BERNARDI AUTO GROUP RETIREMENT PLAN
Below is the lineup of investment options available to participants in BERNARDI AUTO GROUP RETIREMENT 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 |
|---|
| AB Large Cap Growth Fund Advisor Class – (APGYX) |
| Vanguard 500 Index Fund – (VFINX) |
| Victory Established Value – (GETGX) |
| American Funds Europac Growth – (PGGAX) |
| Columbia Dividend Income Fund – (GSFTX) |
| MFS New Discovery Value R6 – (NDVBX) |
| Vanguard Small Cap Index – (VISVX) |
| DWS High Income Fund – (MHITX) |
| Vanguard Mid Cap Index – (VIMSX) |
| Massachusetts Investors TR R6 – (MITDX) |
| American Funds New Perspective – (FFPNX) |
| Invesco Equity and Income – (IUAIX) |
| iShares MSCI EAFE International Index Fund – (BTMPX) |
| iShares U.S. Aggregate Bond Index – (BMOPX) |
| American Funds 2055 Target Date Retirement R-4 – (FAJTX) |
| American Funds New World R-4 – (HVWBX) |
| Van Eck CM Commodity Index I – |
| American Funds 2065 Target Date Retirement R-4 – (FBMTX) |
| American Funds 2060 Target Date Retirement R-4 – (CCKTX) |
| Calvert US Large-Cap Core Responsible Index – (CISIX) |
| American Funds 2025 Target Date Retirement R-4 – (REDTX) |
| American Funds 2050 Target Date Retirement R-4 – (REITX) |
| American Funds 2035 Target Date Retirement R-4 – (REFTX) |
| Neuberger Berman Genesis Fund R-6 – (NBGEX) |
| American Funds 2020 Target Date Retirement R-4 – (RECTX) |
| American Funds 2015 Target Date Retirement R-4 – (REJTX) |
| American Funds 2030 Target Date Retirement R-4 – (REETX) |
| Janus Henderson Enterprise Fund – (JMGRX) |
| American Funds 2010 Target Date Retirement R-4 – (REATX) |
| American Funds 2045 Target Date Retirement R-4 – (REHTX) |
| American Funds 2040 Target Date Retirement R-4 – (REGTX) |
| Federated Capital Preservation Fund – |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| AB LARGE CAP GROWTH ADVISOR (APGYX) |
| AMERFDS 2055 TARG DATE RET-R4 (DRIKX) |
| VANGUARD 500 INDEX FUND – ADM (VFINX) |
| AMERICAN FUNDS EUROPAC GRO- R6 |
| AMERICAN FUNDS NEW WRLD – R4 (HVWBX) |
| DWS HIGH INCOME FUND-A (MHITX) |
| INVESCO EQUITY AND INCOME A (IUAIX) |
| VAN ECK CM COMMODITY INDEX I |
| DWS RREEF REAL EST SEC A (RRRBX) |
| AMERFDS 2065 TARG DATE RET R4 |
| AMERFDS 2060 TARG DATE RET-R4 (DRILX) |
| MASSACHUSETTS INVESTORS TR R6 (MITDX) |
| CALVERT US LC CORE RESP INDX I |
| AMERFDS 2025 TARG DATE RET-R4 (DRIUX) |
| AMERFDS 2050 TARG DATE RET-R4 (DRIJX) |
| AMERFDS 2035 TARG DATE RET-R4 (DRIGX) |
| ISHARES MSCI EAFE INTL INDEX K (BTMGX) |
| VICTORY ESTABLISHED VALUE A (GETGX) |
| VANGUARD SMALL CAP INDEX ADMRL (VISVX) |
| NEUBERGER BERMAN GENESIS – R6 (NBGEX) |
| AMERFDS 2020 TARG DATE RET-R4 (DRIRX) |
| AMER FUNDS NEW PERSPECTIVE -R4 (FFPNX) |
| AMERFDS 2015 TARG DATE RET-R4 (DRIQX) |
| AMERFDS 2030 TARG DATE RET-R4 |
| COLUMBIA DIV INC FD – A (CSVEX) |
| JANUS HENDERSON ENTERPRISE N (JMGRX) |
| AMERFDS 2040 TARG DATE RET-R4 (DRIHX) |
| VANGUARD MID CAP INDEX – ADM (VIMSX) |
| ISHARES US AGGREGATE BD IDX K |
| MFS NEW DISCOVERY VALUE R6 (NDVBX) |
| AMERFDS 2010 TARG DATE RET-R4 |
| AMERFDS 2045 TARG DATE RET-R4 (DRIIX) |
| FEDERATED CAP PRES FUND R6 |
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 BERNARDI AUTO GROUP RETIREMENT 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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