BNI GLOBAL LLC Investment Options
Available Funds in BNI GLOBAL LLC
Below is the lineup of investment options available to participants in BNI GLOBAL LLC. 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 |
|---|
| Reliance Trust Company Victory Integrity Small-Cap Value R |
| Vanguard Target Retirement 2050 |
| Vanguard Target Retirement 2060 |
| DFA Inflation Protected Securities Portfolio |
| Invesco Oppenheimer International Growth R6 |
| Vanguard Intermediate Term Bond Index Fund |
| Vanguard Target Retirement 2055 |
| Vanguard Target Retirement 2040 |
| Columbia Balanced Fund Institutional 3 Class |
| Vanguard Target Retirement 2020 |
| American Beacon Bridgeway LG Cap Value R5 |
| DFA US Small Cap Portfolio Institutional Class |
| Vanguard Target Retirement 2030 |
| JPMorgan US Small Company |
| American Beacon International Equity Fund R5 |
| JPMorgan Core Plus Bond Fund R6 |
| Alger Spectra Fund Class Z |
| Vanguard Target Retirement 2035 |
| BNY Mellon Small Mid Cap Growth Fund |
| Janus Henderson Venture Fund |
| Vanguard Target Retirement Income Fund |
| Vanguard Target Retirement 2025 |
| Columbia Emerging Markets Fund |
| BlackRock High Yield Bond K |
| Vanguard Target Retirement 2045 |
| Vanguard Dividend Growth Fund |
| DFA US Core Equity 1 Portfolio |
| American Beacon Shapiro SMID Cap Equity R5 |
| Reliance Trust Company Common/collective trust fund – Invesco Stable Asset |
| from 5.25 to 10.50 percent – |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VICTORY INTEGRITY SMCAP VAL R6 |
| VAN TARGET RETIRE 2050 |
| VAN TARG RETIRE 2060 |
| DFA INFLATION PROT SEC INST |
| AMB SHAPIRO SMID CAP EQ R5 |
| INVESCO OPP INTL GR R6 |
| VANGUARD INTERMEDIATE TERM BON |
| VAN TARGET RETIRE 2055 |
| VAN TARGET RETIRE 2040 |
| COLUMBIA BALANCED FUND – I3 |
| VAN TARGET RETIRE 2020 |
| AMB MAN LARGE CAP VALUE R5 |
| DFA US SM CAP PORTFOLIO INST |
| VAN TARGET RETIRE 2030 |
| JPMORGAN US SMALL COMPANY R6 |
| AMERICAN BEACON INTL EQTY R5 |
| JPMORGAN CORE PLUS BOND R6 |
| ALGER SPECTRA FUND Z |
| VAN TARGET RETIRE 2035 |
| BNYM SM MD CP GR Y |
| JANUS HENDERSON VENTURE FUND-N |
| VAN TARGET RETIRE INC |
| VAN TARGET RETIRE 2025 |
| COLUMBIA EMERGING MKTS – I3 |
| BLACKROCK HIGH YIELD K |
| VAN TARGET RETIRE 2045 |
| DFA US CORE EQUITY 1 PORT INST |
| VANGUARD DIV GRTH – INV |
| INVESCO STABLE ASSET – ADPZ |
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 BNI GLOBAL LLC. 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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