CIG LOGISTICS 401(K) PLAN Investment Options
Available Funds in CIG LOGISTICS 401(K) PLAN
Below is the lineup of investment options available to participants in CIG LOGISTICS 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 |
|---|
| TIAA-CREF Lifecycle Index 2055 Institutional Class |
| TIAA-CREF Lifecycle Index 2040 Institutional Class |
| TIAA-CREF Lifecycle Index 2060 Institutional Class |
| TIAA-CREF Lifecycle Index 2050 Institutional Class |
| TIAA-CREF Lifecycle Index 2025 Institutional Class |
| TIAA-CREF Lifecycle Index 2045 Institutional Class |
| TIAA-CREF Lifecycle Index 2065 Institutional Class |
| TIAA-CREF Lifecycle Index 2035 Institutional Class |
| American Innovation American Innovation |
| TIAA-CREF Lifecycle Index 2030 Institutional Class |
| Blackrock Mid-Cap Growth Equity Fund Class K |
| Fidelity Small Cap |
| American Funds New World Fund Class R-6 |
| Fidelity |
| Fidelity International Index |
| Fidelity Mid Cap |
| TIAA-CREF Lifecycle Index 2020 Institutional Class |
| TIAA-CREF Lifecycle Index 2015 Institutional Class |
| Lord Abbett Developing Growth Fund Class R-6 |
| TIAA-CREF Lifecycle Index Retirement Income Institutional Class |
| Franklin Templeton Small Cap Value Fund Class R-6 |
| Franklin Templeton International Growth R-6 |
| PGIM High Yield Fund R-6 |
| Hartford Funds Strategic Income R-6 |
| American Century Mid Cap Value R-6 |
| DFA Inflation Protected Securities Institutional |
| Franklin Templeton Western Asset Core Plus Bond IS |
| Nuveen Lifecycle Index 2010 R6 |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| NUVEEN LC INDEX 2065 R6 |
| FID 500 IND |
| DFA INFLATION PROT SEC INST |
| FRA INTERNATIONAL GROWTH R6 |
| AMERICAN CENTURY MID CP VAL R6 |
| FRANKLIN SCV R6 |
| NUVEEN LC INDEX 2010 R6 |
| NUVEEN LC INDEX 2045 R6 |
| FID INTERNATIONAL INDEX |
| FIDELITY GOVERNMENT MONEY MRKT |
| FID SMALL CAP INDEX |
| NUVEEN LC INDEX 2060 R6 |
| LORD ABBETT DEVELOPING GR R6 |
| BLACKROCK MIDCAP GROWTH EQ K |
| NUV LIFECYCLE IDX RET INC R6 |
| HARTFORD STRAT INC FUND R6 |
| FID MID CAP INDEX |
| NUVEEN LC INDEX 2015 R6 |
| NUVEEN LC INDEX 2035 R6 |
| NUVEEN LC INDEX 2025 R6 |
| NUVEEN LC INDEX 2030 R6 |
| PGIM HIGH YIELD FUND R6 |
| NUVEEN LC INDEX 2040 R6 |
| NUVEEN LC INDEX 2055 R6 |
| NUVEEN LC INDEX 2020 R6 |
| AMERICAN FUNDS NEW WORLD R6 |
| WESTERN ASSET CORE PLUS BD IS |
| NUVEEN LC INDEX 2050 R6 |
| AMERICAN INNOVATION |
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 CIG LOGISTICS 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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