CONSUMER SAFETY TECHNOLOGY, LLC 401(K) PLAN Investment Options
Available Funds in CONSUMER SAFETY TECHNOLOGY, LLC 401(K) PLAN
Below is the lineup of investment options available to participants in CONSUMER SAFETY TECHNOLOGY, LLC 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 Option List |
|---|
| Vanguard 500 Index Fd Admiral (VFINX) |
| Vanguard Growth Index Fd Adm (VTGLX) |
| Vanguard Mid Cap Index Adm (VIMSX) |
| Vanguard Ttl Bd Mkt Ind Adm |
| Vanguard Equity Income Fd Adm (VEIPX) |
| Vanguard Health Care Idx Adm (VGHCX) |
| Vanguard International Value (VTRIX) |
| Vanguard Target Ret Income Fd (VTINX) |
| Vanguard Target Ret 2065 Fund (VSXFX) |
| Vanguard Target Ret 2060 Fund (VTTSX) |
| Vanguard Target Ret 2055 Fund (VFFVX) |
| Vanguard Target Ret 2050 Fund (VFIFX) |
| Vanguard Target Ret 2045 Fund (VTIVX) |
| Vanguard Target Ret 2040 Fund (VFORX) |
| Vanguard Target Ret 2035 Fund (VTTHX) |
| Vanguard Target Ret 2030 Fund (VTHRX) |
| Vanguard Target Ret 2025 Fund (VTTVX) |
| Vanguard Target Ret 2020 Fund (VTWNX) |
| T Rowe Price Sci and Tech I (PRSCX) |
| T Rowe Price Div Grwth I (TRVLX) |
| PIMCO Short-Term Fund (Inst) (SMBFX) |
| PIMCO Income Fund Inst (PFLEX) |
| PGIM Short Dur HY Income R6 (PCIQX) |
| JP Morgan Large Growth R6 |
| JP Morgan Emerging Mkts Eqty R6 (MSMHX) |
| JP Morgan Core Plus Bond Fd R6 (JPBAX) |
| JP Morgan Hedged Equity R6 (SWHIX) |
| JP Morgan Mid Cap Value Fd R6 (MDFAX) |
| JP Morgan US Govt MMkt Cap Cl |
| John Hancock Intl Growth I (JIGHX) |
| John Hancock Disciplined Val R (JVLIX) |
| John Hancock Infrastructure Fd |
| DFA US Small Cap Port Inst (DSCGX) |
| American Cent SC Growth R6 |
| Goldman GQG Prtnr Intl Opp R6 |
| Franklin Utilities Fund R6 (FKUTX) |
| Fidelity Inf-Pr Bond Index Fd |
| BlackRock Evnt Driven Eq Inst |
| Calamos Market Neutral Income R6 (CMNIX) |
| JP Morgan JPMorgan US Govt MMkt Cap Cl |
| Calamos Calamos Mkt Neutral Income R6 (CMNIX) |
| Fidelity Inf Pr Bond Index Fd |
| JP Morgan JP Morgan Core Plus Bond Fd R6 (JPBAX) |
| PG IM PGIM Short Dur HY Income R6 |
| PIMCO Short Term Fund Inst (SMBFX) |
| Va nguard Vanguard Target Ret Income Fd (VTINX) |
| Va nguard Vanguard Target Ret Fund 2020 (VTWNX) |
| Va nguard Vanguard Target Ret Fund 2025 (VTTVX) |
| Va nguard Vanguard Target Ret Fund 2030 (VTHRX) |
| Va nguard Vanguard Target Ret Fund 2035 (VTTHX) |
| Va nguard Vanguard Target Ret Fund 2040 (VFORX) |
| Va nguard Vanguard Target Ret Fund 2045 (VTIVX) |
| Va nguard Vanguard Target Ret Fund 2050 (VFIFX) |
| Va nguard Vanguard Target Ret Fund 2055 (VFFVX) |
| Va nguard Vanguard Target Ret Fund 2060 (VTTSX) |
| Va nguard Vanguard Target Ret Fund 2065 (VSXFX) |
| Fidelity Index Fd |
| T Rowe T Rowe Price Div Grwth I (TRVLX) |
| American Century American Cent SC Growth R6 (ACLIX) |
| JP Morgan JP Morgan Large Growth R6 |
| JP Morgan JP Morgan Mid Cap Value Fd R6 (MDFAX) |
| JPMorgan Hedged JPMorgan Hedged Equity R6 (JHTRX) |
| T Rowe T Rowe Price Sci and Tech I (PRSCX) |
| Va nguard Vanguard Growth Index Fd Adm (VTGLX) |
| Va nguard Vanguard Health Care ldx Adm (VGHCX) |
| Va nguard Vanguard Mid Cap Index Adm (VIMSX) |
| Goldman Goldman GQG Prtnr Intl Opp R6 |
| John Hancock Intl Growth R6 (JIGHX) |
| JP Morgan JPMorgan Emerging Mkts Eqty R6 |
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 CONSUMER SAFETY TECHNOLOGY, LLC 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
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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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