CARDINAL SERVICES, INC. 401K PLAN Investment Options
Available Funds in CARDINAL SERVICES, INC. 401K PLAN
Below is the lineup of investment options available to participants in CARDINAL SERVICES, INC. 401K 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 |
|---|
| BlackRock BTMKX – iShares MSCI EAFE International Index Fund Class K (BTMKX) |
| Dimensional Fund Advisors DFCEX – DFA Emerging Markets Core Equity Portfolio Institutional Class |
| Fidelity FXNAX – Fidelity US Bond (FXNAX) |
| JPMorgan JCPUX – JPMorgan Core Plus Bond Fund R6 (JCPUX) |
| Oppenheimer Funds OGMIX – Oppenheimer Gold & Special Minerals I (OGMIX) |
| Principal PHYTX – Principal Investors High Yield Ii (PHYTX) |
| American Funds RERGX – American Funds EuroPacific Growth Fund Class R6 |
| American Funds RNPGX – American Funds New Perspective R6 (RNPGX) |
| Vanguard VAIPX – Vanguard Inflation-Protected Securities Fund Admiral Shares (VAIPX) |
| Vanguard VBILX – Vanguard Intermediate-Term Bond Index Fund Admiral Shares (VBILX) |
| Vanguard VBIRX – Vanguard Short-Term Bond Index Fund Admiral Shares (VBIRX) |
| Vanguard VCSAX – Vanguard Consumer Staples Index (VCSAX) |
| Vanguard VENAX – Vanguard Energy Index Admiral (VENAX) |
| Vanguard VFFVX – Vanguard Target Retirement 2055 (VFFVX) |
| Vanguard VFIAX – Vanguard 500 Index Admiral |
| Vanguard VFIFX – Vanguard Target Retirement 2050 (VFIFX) |
| Vanguard VFORX – Vanguard Target Retirement 2040 (VFORX) |
| Vanguard VIMAX – Vanguard Mid-Cap Index Fund Admiral Shares (VIMAX) |
| Vanguard VITAX – Vanguard Information Technology Index Fund Admiral Shares (VITAX) |
| Vanguard VLXVX – Vanguard Target Retirement 2065 Inv (VLXVX) |
| Vanguard VMGMX – Vanguard Mid-Cap Growth Index Fund Admiral Shares (VMGMX) |
| Vanguard VMVAX – Vanguard Mid Cap Value Index Admiral (VMVAX) |
| Vanguard VSGAX – Vanguard Small-Cap Growth Index Fund Admiral Shares (VSGAX) |
| Vanguard VSGDX – Vanguard Short-Term Federal Fund Admiral Shares (VSGDX) |
| Vanguard VSIAX – Vanguard Small Cap Value Index Fund Admiral Shares (VSIAX) |
| Vanguard VSMAX – Vanguard Small-Cap Index Fund Admiral Shares (VSMAX) |
| Vanguard VSVNX – Vanguard Target Retirement 2070 (VSVNX) |
| Vanguard VTAPX – Vanguard Short-Term Inflation-Protected Securities Index Fund Admiral Shares (VTAPX) |
| Vanguard VTHRX – Vanguard Target Retirement 2030 (VTHRX) |
| Vanguard VTINX – Vanguard Target Retirement Income (VTINX) |
| Vanguard VTIVX – Vanguard Target Retirement 2045 (VTIVX) |
| Vanguard VTTHX – Vanguard Target Retirement 2035 (VTTHX) |
| Vanguard VTTSX – Vanguard Target Retirement 2060 (VTTSX) |
| Vanguard VTTVX – Vanguard Target Retirement 2025 (VTTVX) |
| Vanguard VTWNX – Vanguard Target Retirement 2020 (VTWNX) |
| Vanguard VUIAX – Vanguard Utilities Index Admiral (VUIAX) |
| Vanguard VVIAX – Vanguard Value Index Fund Admiral Shares (VVIAX) |
| Vanguard VWUAX – Vanguard Us Growth Admiral (VWUAX) |
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 CARDINAL SERVICES, INC. 401K 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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