CARE FOR U PLUS 401(K) PLAN Investment Options
Available Funds in CARE FOR U PLUS 401(K) PLAN
Below is the lineup of investment options available to participants in CARE FOR U PLUS 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 |
|---|
| Fidelity Global Ex US Index |
| Fidelity Inflation-Protected Bond |
| Fidelity US Bond Index |
| American Funds Strategic Bond Fund Class R6 |
| State Street Equity 500 Index K |
| DFA Emerging Markets Core Equity I |
| Fidelity Mid Cap Index |
| Fidelity Small Cap Index |
| Putnam George Putnam Balance R6 |
| Federated Federated Hermes Instl High Yield Bd R6 |
| Empower EI Fixed Account – Series Class I |
| State Street Alta with State Street Custom Target Date Serive 2045 Fund |
| State Street Alta with State Street Custom Target Date Serive 2040 Fund |
| State Street Alta with State Street Custom Target Date Serive 2030 Fund |
| State Street Alta with State Street Custom Target Date Serive 2035 Fund |
| State Street Alta with State Street Custom Target Date Serive 2020 Fund |
| State Street Alta with State Street Custom Target Date Serive 2025 Fund |
| State Street Alta with State Street Custom Target Date Serive 2050 Fund |
| State Street Alta with State Street Custom Target Date Serive 2055 Fund |
| State Street Alta with State Street Custom Target Date Serive 2060 Fund |
| State Street Alta with State Street Custom Target Date Service Retirement Fund |
| State Street Alta Federated mdt Small Cap Core |
| State Street Great Gray Blended Research Core Equity |
| State Street International Growth Fund II R1 |
| State Street Alta with State Street Custom Target Date Serive 2065 Fund |
| State Street Mid Cap Growth Fund Fee Class R1 |
| State Street Small Cap Value Fund II Fee Class R1 |
| EMPOWER INVESMENT FIXED ACCOUNT – SERIES CLASS I |
| FEDERATED HERMES INSTL HIGH YIELD BD R6 |
| FIDELITY INFLATION PROTECTED BOND INDEX |
| FIDELITY U.S. BOND INDEX |
| GEORGE PUTNAM BALANCED R6 |
| THE AMERICAN FUNDS AMERICAN FUNDS STRATEGIC BOND R6 |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER RET FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2020 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2025 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2030 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2035 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2040 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2045 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2050 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2055 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2060 FD |
| ALTA TRUST ALTA WITH STATE STREET CSTM TR DAT SER 2065FD |
| GREAT GRAY INTERNATIONAL GROWTH FUND II R1 |
| ALTA TRUST ALTA FEDERATED MDT SMALL CAP CORE |
| GREAT GRAY SMALL CAP VALUE FUND II FEE CLASS R1 |
| GREAT GRAY MID CAP GROWTH FUND FEE CLASS R1 |
| GREAT GRAY GREAT GRAY BLENDED RESEARCH CORE EQUITY |
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 CARE FOR U PLUS 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?
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