CLEARPATH WORKFORCE MANAGEMENT 401(K) PLAN Investment Options
Available Funds in CLEARPATH WORKFORCE MANAGEMENT 401(K) PLAN
Below is the lineup of investment options available to participants in CLEARPATH WORKFORCE MANAGEMENT 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 |
|---|
| Transamerica LifeGoal 2030 with BlackRock Retirement Account Fund |
| Transamerica LifeGoal 2050 with BlackRock Retirement Account Fund |
| Transamerica LifeGoal 2040 with BlackRock Retirement Account Fund |
| Transamerica LifeGoal 2045 with BlackRock Retirement Account Fund |
| Transamerica LifeGoal 2055 with BlackRock Retirement Account Fund |
| Transamerica LifeGoal 2025 with BlackRock Retirement Account Fund |
| Transamerica LifeGoal 2060 with BlackRock Retirement Account Fund |
| Transamerica American Funds Growth Fund of America Retirement Fund |
| Transamerica LifeGoal 2035 with BlackRock Retirement Account Fund |
| Transamerica Large Cap Retirement Fund |
| Transamerica Small Cap Retirement Fund |
| Transamerica Columbia Balanced Retirement Fund |
| Transamerica State Street Emerging Markets Index Retirement Fund |
| Transamerica Loomis Sayles Investment Grade Bond Retirement Fund |
| Transamerica American Funds SMALLCAP World Retirement Fund |
| Transamerica Invesco Main Street Mid Cap Retirement Account Fund |
| Transamerica Calvert Equity Retirement Fund |
| Transamerica American Funds New America Retirement Fund |
| Transamerica BlackRock Equity Dividend Retirement Fund |
| Transamerica Allspring Special Mid Cap Value Retirement Fund |
| Transamerica Loomis Sayles Bond Retirement Fund |
| Transamerica TA Asset Allocation – Growth Portfolio Retirement Fund |
| Transamerica Small/Mid Cap Value Retirement Fund |
| Transamerica High Yield Bond Retirement Fund |
| Transamerica TA Asset Allocation Moderate Portfolio Retirement Fund |
| Transamerica TA Asset Allocation Moderate Growth Portfolio Retirement Fund |
| Transamerica Fidelity Advisor Strategic Income Retirement Fund |
| Transamerica Aegon US Core Plus Retirement Account Fund |
| Transamerica TA Asset Allocation – Conservative Portfolio Retirement Fund |
| Transamerica International Growth Retirement Fund |
| Transamerica Invesco International Growth Retirement Fund |
| Transamerica American Funds EuroPacific Growth Fund |
| Transamerica Thornburg International Equity Retirement Fund |
| Transamerica PGIM Jennison Natural Resources Retirement Account |
| through September |
| Transamerica Financial Life Ins Co Aegon US Core Plus Ret Acct |
| Transamerica Financial Life Ins Co AllSpring Special Md cp Val Rt Acct |
| Transamerica Financial Life Ins Co American Fds EuroPacific Gr Ret |
| Transamerica Financial Life Ins Co American Fds New Persp Ret Acct |
| Transamerica Financial Life Ins Co American Fds SMALLCAP Wrld Ret |
| Transamerica Financial Life Ins Co BlackRock Eq Dividend Ret Acct |
| Transamerica Financial Life Ins Co Calvert Eq Portfolio Ret Acct |
| Transamerica Financial Life Ins Co Columbia Balanced Ret Acct |
| Transamerica Financial Life Ins Co Columbia Dividend Inc Ret Acct |
| Transamerica Financial Life Ins Co Fidelity Adv Strategic Inc Ret Acct |
| Transamerica Financial Life Ins Co Invesco Intl Gr Ret Acct |
| Transamerica Financial Life Ins Co Invesco Main Street Mid Cap Ret |
| Transamerica Financial Life Ins Co Loomis Sayles Bd Ret Acct |
| Transamerica Financial Life Ins Co Loomis Sayles Inv Grd Bd Ret Acct |
| Transamerica Financial Life Ins Co Lord Abbett Inc Ret Acct |
| Transamerica Financial Life Ins Co PGIM Jennison Natural Res Ret |
| Transamerica Financial Life Ins Co State Street Emerg Mkt Idx Ret Acct |
| Transamerica Financial Life Ins Co Thornburg Intl Val Ret Acct |
| Transamerica Financial Life Ins Co Trans asst allc-Cnsv Prtf Rt Acct |
| Transamerica Financial Life Ins Co Trans asst allc-Md Gr Prtf Rt Acct |
| Transamerica Financial Life Ins Co Transamer asst allc-Gr Prtf Rt Acct |
| Transamerica Financial Life Ins Co Transamer asst allc-Md Prtf Rt Acct |
| Transamerica Financial Life Ins Co Transamerica High Yield Bd Rt Acct |
| Transamerica Financial Life Ins Co Transamerica Intl Gr Ret Acct |
| Transamerica Financial Life Ins Co Transamerica LG 2065 BlackRock |
| Transamerica Financial Life Ins Co Transamerica Sm/Md cp Val Ret Acct |
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 CLEARPATH WORKFORCE MANAGEMENT 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% | … | … |
Get Key Insights for This Plan
Join our community and get data-driven insights about CLEARPATH WORKFORCE MANAGEMENT 401(K) PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- Delta’s 401(k): 9% Employer Contribution, 367 Funds, and a Smart Auto-Escalation Design
- Providence Health’s 100% Match on 6% and $600M Pay Raise: What Employees Need to Know
- Meta’s 401(k): 50% Match, Immediate Vesting, and $670M on the Table
- Making Sense of Mixed Signals
- Nike’s 401(k) Match Is Dollar-for-Dollar, Even When the Swoosh Is Struggling
- Tesla 401(k) Review: 50% Match Up to $3,000 — Is That Enough for TSLA Employees?
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 …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching CLEARPATH WORKFORCE MANAGEMENT 401(K) PLAN
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
Related Plans
- TALENT TREE CRYSTAL, INC. 410K PROFIT SHARING PL (1,386 participants, $5,478,220)
- C & A INDUSTRIES, INC. AND C&L INDUSTRIES, INC. 401K PROFIT SHARING PLAN (1,386 participants, $13,251,580)
- PRO STAFF PERSONNEL SERVICES 2000 RESTATED 401K PLAN AND TRUST (1,385 participants, $15,453,901)
- HMC MANAGEMENT SERVICES, INC. RETIREMENT PLAN (1,390 participants, $6,364,023)
- HIGHVIEW HEALTHCARE PARTNERS 401(K) PLAN (1,379 participants, $6,110,325)