CES 401(K) PLAN Investment Options
Available Funds in CES 401(K) PLAN
Below is the lineup of investment options available to participants in CES 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 |
|---|
| Vanguard Target Retirement 2020 Registered Investment Company |
| Vanguard Target Retirement 2025 Registered Investment Company |
| Vanguard Target Retirement 2030 Registered Investment Company |
| Vanguard Target Retirement 2035 Registered Investment Company |
| Vanguard Target Retirement 2040 Registered Investment Company |
| Vanguard Target Retirement 2045 Registered Investment Company |
| Vanguard Target Retirement 2050 Registered Investment Company |
| Vanguard Target Retirement 2055 Registered Investment Company |
| Vanguard Target Retirement 2060 Registered Investment Company |
| Vanguard Wellington Admin Registered Investment Company |
| Vanguard Target Retirement 2065 Registered Investment Company |
| Calvert Equity Fund – R6 Registered Investment Company |
| Vanguard Mid Cap Index – ADM Registered Investment Company |
| JP Morgan US Research Enhanced Equity Registered Investment Company |
| MFS International Growth R6 Registered Investment Company |
| Principal Equity INC – INSTL Registered Investment Company |
| Vanguard Long Term Inv GR ADM Registered Investment Company |
| Mass Mutual Overseas I Registered Investment Company |
| Royce Small Cap Oppurtunity IN Registered Investment Company |
| Nuveen Mid Cap Value R6 Registered Investment Company |
| PGIM Jennison SM CO R6 Registered Investment Company |
| Vanguard Target Retirement Income Registered Investment Company |
| Vanguard Small Cap Indexc ADMR Registered Investment Company |
| Columbia Overseas Value I2 Registered Investment Company |
| Bank of New York Mellon Small Midcap Growth Y Registered Investment Company |
| Vanguard 500 Index Fund – ADM Registered Investment Company |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VAN TARGET RETIRE 2040 |
| VAN TARG RETIRE 2065 |
| VANGUARD WELLINGTON ADMIN |
| VAN TARGET RETIRE 2050 |
| CALVERT EQUITY FUND – R6 |
| COLUMBIA OVERSEAS VALUE I2 |
| MFS INTERNATIONAL GROWTH R6 |
| VAN TARGET RETIRE 2030 |
| VANGUARD SMALL CAP INDEX ADMRL |
| JPMORGAN US RSCH ENHANCED EQ I |
| MASSMUTUAL OVERSEAS I |
| PGIM JENNISON SM CO R6 |
| VAN TARG RETIRE 2060 |
| BNYM SM MD CP GR Y |
| NUVEEN MID CAP VALUE 1 R6 |
| ROYCE SMALLCAP OPPORTUNITY INS |
| VAN TARGET RETIRE 2020 |
| VAN TARGET RETIRE INC |
| VAN TARGET RETIRE 2055 |
| PRINCIPAL EQUITY INC – INSTL |
| VAN TARGET RETIRE 2035 |
| VANGUARD 500 INDEX FUND – ADM |
| VAN TARGET RETIRE 2025 |
| VANGUARD MID CAP INDEX – ADM |
| VANGUARD LONG TERM INV GR ADM |
| VAN TARGET RETIRE 2045 |
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 CES 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
- more …
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