CHOICE POOLED EMPLOYER PLAN III Investment Options
Available Funds in CHOICE POOLED EMPLOYER PLAN III
Below is the lineup of investment options available to participants in CHOICE POOLED EMPLOYER PLAN III. 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.
Total Available Funds: 142
| Investment Option List |
|---|
| American Century 2020 Target Date Retirement Fund Class R-6 (RECTX) |
| American Century 2025 Target Date Retirement Fund Class R-6 (REDTX) |
| American Century 2030 Target Date Retirement Fund Class R-6 (REETX) |
| American Century 2035 Target Date Retirement Fund Class R-6 (REFTX) |
| American Century 2040 Target Date Retirement Fund Class R-6 (REGTX) |
| American Century 2045 Target Date Retirement Fund Class R-6 (REHTX) |
| American Century 2050 Target Date Retirement Fund Class R-6 (REITX) |
| American Century 2055 Target Date Retirement Fund Class R-6 (FAJTX) |
| American Century 2060 Target Date Retirement Fund Class R-6 (CCKTX) |
| American Century 2065 Target Date Retirement Fund Class R-6 (FBMTX) |
| American Century Inflation Linked Bond Fund Class R-6 (BFICX) |
| BlackRock Global Allocation Fund Institutional Shares (MGJAX) |
| Fidelity 500 Index (FUSEX) |
| Fidelity Advisor Stock Selector Mid Cap Fund – Class I (FMCCX) |
| Fidelity Global ex US Index |
| Fidelity Inflation Protexted Bond Index (FINPX) |
| Fidelity Mid Cap Index (FIIMX) |
| Fidelity Small Cap Index (FSISX) |
| Fidelity US Bond Index (FSHBX) |
| Goldman Sachs Emerging Markets Equity Insights I (GERIX) |
| Macquire Small Cap Core R6 (NSGRX) |
| Nationwide Geneva Small Cap Growth R6 (NWHZX) |
| PGIM High Yield Fund- Class R6 (PHYEX) |
| PGIM Return Bond R6 (PAIWX) |
| PIMCO RealPath Blend 2025 Institutional (PPZAX) |
| PIMCO RealPath Blend 2030 Institutional (PBPAX) |
| PIMCO RealPath Blend 2035 Institutional (PDGAX) |
| PIMCO RealPath Blend 2040 Institutional (PVPAX) |
| PIMCO RealPath Blend 2045 Institutional (PVQAX) |
| PIMCO RealPath Blend 2050 Institutional (PPQAX) |
| PIMCO RealPath Blend 2055 Institutional (PRQAX) |
| PIMCO RealPath Blend 2060 Institutional (PRBAX) |
| PIMCO RealPath Blend 2065 Institutional (PBLLX) |
| PIMCO RealPath Blend Income Institutional (PBRAX) |
| Putnam Large Cap Value Fund Class Y (PMVYX) |
| T. Rowe Price Overseas Stock Fund I Class (TROSX) |
| Vanguard 500 Index Fund Admiral Shares (VFIAX) |
| Pioneer Fundamental Growth K (PIGFX) |
| Transamerica American Funds Bond Fund Of America Ret Acct (FBOFX) |
| Transamerica American Funds Fundmntl Invst Ret Acct |
| Transamerica American Funds Gr Fd Of America Ret Acct |
| Transamerica Blackrock Equity Dividend Ret Acct (MADVX) |
| Transamerica Dfa Emerging Markets Core Equity Ret Acct (DAADX) |
| Transamerica Dfa U.S. Targeted Val Port Ret Acct |
| Transamerica Fidelity 500 Index Ret Acct |
| Transamerica Fidelity Mid Cap Index Ret Acct (FIIMX) |
| Transamerica Fidelity Small Cap Index Ret Acct (TSMVX) |
| Transamerica Fidelity U.S. Bond Index Ret Acct |
| Transamerica Janus Henderson Triton Ret Acct |
| Transamerica Jpmorgan Eqt Inc Ret Acct |
| Transamerica Jpmorgan Lrg Cap Gr Ret Acct |
| Transamerica Mfs International Diversification Ret Acct (MDIJX) |
| Transamerica Pimco Inc Ret Acct |
| Transamerica State Steet Prtn Series With Ta Mod Gr Retacct |
| Transamerica State Street Global All Cap Ex Us Index Ret Acct |
| Transamerica State Street Russell Small Cap Index Ret Acct (SIVIX) |
| Transamerica State Street S&P 500 Index Class II Ret Acct |
| Transamerica State Street S&P Mid Cap Index Ret Acct (SSMHX) |
| Transamerica State Street Seccourse 2020 By Ta Retact |
| Transamerica State Street Seccourse 2025 By Ta Retact |
| Transamerica State Street Seccourse 2030 By Ta Retact |
| Transamerica State Street Seccourse 2035 By Ta Retact |
| Transamerica State Street Seccourse 2040 By Ta Retact |
| Transamerica State Street Seccourse 2045 By Ta Retact |
| Transamerica State Street Seccourse 2050 By Ta Retact |
| Transamerica State Street Seccourse 2055 By Ta Retact |
| Transamerica State Street Seccourse 2060 By Ta Retact |
| Transamerica State Street Seccourse 2065 By Ta Retact |
| Transamerica State Street Seccourse Inc By Ta Retact |
| Transamerica State Street U.S. Bond Index Ret Acct (SSAFX) |
| Transamerica T. Rowe Price Us Small Cap Value Equity Ret Acct (PRSVX) |
| Transamerica Lifegoal 2025 With Blackrck Retact |
| Transamerica Lifegoal 2030 With Blackrck Retact |
| Transamerica Lifegoal 2035 With Blackrck Retact |
| Transamerica Lifegoal 2040 With Blackrck Ret Act |
| Transamerica Lifegoal 2045 With Blackrck Ret Acct |
| Transamerica Lifegoal 2050 With Blackrck Ret Acct |
| Transamerica Lifegoal 2055 With Blackrck Ret Acct |
| Transamerica Lifegoal 2060 With Blackrck Ret Acct |
| Transamerica Lifegoal 2065 With Blackrck Retacc |
| Transamerica Lifegoal Ret With Blackrck Retact |
| Transamerica Vanguard Ftse Social Idx Fund Admiral Ret Acct (VFTNX) |
| Nuveen TIAA Lifecycle Index 2010 R (TCLEX) |
| Nuveen TIAA Lifecycle Index 2015 R (TCLIX) |
| Nuveen TIAA Lifecycle Index 2025 R (TCLFX) |
| Nuveen TIAA Lifecycle Index 2035 R (TCLRX) |
| Nuveen TIAA Lifecycle Index 2040 R (TCLOX) |
| Nuveen TIAA Lifecycle Index 2045 R (TTFIX) |
| Nuveen TIAA Lifecycle Index 2050 R (TFTIX) |
| Nuveen TIAA Lifecycle Index 2055 R (TTRLX) |
| Nuveen TIAA Lifecycle Index 2060 R (TLXHX) |
| Nuveen TIAA Lifecycle Index 2065 R (TFIHX) |
| Notes receivable from participants – |
| Contract Number: 935040, 932534, 932551, 935103, & |
| Plan Identification Number: |
| 3-B Dozer Service 20-5784421 1.31% |
| Albrecht Auction Service, LLC 38-3577646 4.13% |
| Ascend Hospitality Group 82-4545055 1.01% |
| Backflow Prevention Services, LLC 38-3665009 0.26% |
| Books, Inc. 94-1033949 0.46% |
| Careline Holdco, LLC 84-2278568 21.34% |
| CKJ Management, LLC 93-3784341 0.58% |
| Clarity Imaging 85-3976877 0.72% |
| Curalta Health 87-0855774 6.32% |
| Destination Consultants, LLC 46-4289414 0.99% |
| Dineasty LLC 46-5407728 7.74% |
| Empowerment Counseling Services, PLLC 85-1734256 0.00% |
| Ethel's Bakery, LLC 84-3515918 0.46% |
| Events North 45-4610483 0.74% |
| Four County Community Foundation 38-2736601 1.33% |
| Herrick Foundation 38-6041517 0.43% |
| Hisense Photonics, Inc. 33-0939548 0.00% |
| Integrated Accounting & Tax LLC 84-2894176 0.13% |
| Intelligent Network And Communication Systems 32-0105142 2.05% |
| International Retirement Resource Center, LLC 20-3426473 0.21% |
| La Familia Agency 27-3246497 2.39% |
| Leota Professional Resources, LLC 27-0672163 1.25% |
| Liftfund, Inc. 74-2712770 4.14% |
| Line 45 LLC 47-1490486 1.10% |
| Mannor Financial Group, Inc. 26-3735998 0.90% |
| Mannor Law Group, PLLC 27-1609375 2.23% |
| Maximum Wholesale 68-0562433 0.30% |
| Metro Detroit Black Chamber of Commerce Foundation 85-3465384 0.21% |
| KNAM Industries International 27-0512002 0.89% |
| Miles Grubb & Associates, LLC 11-3687518 5.65% |
| Multi Serve, Inc. 38-3538820 2.32% |
| New World Tea, LLC 38-3700370 1.00% |
| North Community Counseling Centers 31-1258042 1.41% |
| Nuwave Technology Partners, LLC 20-2255498 2.65% |
| OHM KCI, LLC 88-2675419 2.03% |
| RAI Jets LLC 80-0403651 2.16% |
| Reliant Pediatric Therapy Services 27-5210978 2.63% |
| Salveo Medical Group, Inc. 83-4432097 0.65% |
| Small Business Resource Center 38-3042915 7.12% |
| Student Advocacy Center of Michigan, Inc. 38-2058667 1.91% |
| Sycamore Hills Golf Club, Inc. 38-2816181 0.39% |
| T & E Restaurants, Inc. 47-1761775 1.21% |
| TD & I Cable Maintenance 93-2040084 4.02% |
| Thompson Tutoring, L.L.C. 36-4702379 0.19% |
| Top Of The List LLC 94-3454185 0.11% |
| Visit Lenawee, Inc 38-3191481 0.41% |
| Welsh and Associates, Inc. 04-3675442 0.52% |
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 CHOICE POOLED EMPLOYER PLAN III. 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% | … | … |
Data as of 05/01/2026, Common starting date is 12/31/2000
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- We ask a few questions to decide your personal return and risk expectations
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- We monitor and send timely rebalance emails on what investment funds to buy and sell
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