CURRENT HR 401(K) PLAN Investment Options
Available Funds in CURRENT HR 401(K) PLAN
Below is the lineup of investment options available to participants in CURRENT HR 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.
Total Available Funds: 71
| Investment Description |
|---|
| BlackRock BTMKX – iShares MSCI EAFE International Index Fund Class K |
| Dimensional Fund Advisors DFCEX – DFA Emerging Markets Core Equity Portfolio Institutional Class |
| Dimensional Fund Advisors DFESX – DFA Emerging Markets Social Core Portfol |
| Dimensional Fund Advisors DFLVX – DFA Us Large Cap Value Prtf Instl |
| Dimensional Fund Advisors DFUEX – DFA Social Equity Core 2 |
| Dimensional Fund Advisors DIPSX – DFA Inflation Protected Sec Port |
| Fidelity FATIX – Fidelity Advisor Technology |
| Fidelity FXAIX – Fidelity 500 Index Fund |
| Fidelity FXNAX – Fidelity US Bond Index Fund |
| JP Morgan JCPUX – JPMorgan Core Plus Bond Fund R6 |
| JP Morgan JDEUX – JPMorgan Us Research Enhanced Equity R6 |
| Oppenheimer Funds OGMIX – Oppenheimer Gold & Special Minerals I |
| Prudential PHYZX – Prudential High Yield Z |
| American Funds RERGX – American Funds EuroPacific Growth Fund Class R6 |
| Victory URSBX – Victory Short Term Bond Fund R6 Shares |
| Vanguard Funds VBILX – Vanguard Intermediate-Term Bond Index Fund Admiral Shares |
| Vanguard Funds VCSAX – Vanguard Consumer Staples Index |
| Vanguard Funds VFFVX – Vanguard Target Retirement 2055 Fund Investor Shares |
| Vanguard Funds VFIFX – Vanguard Target Retirement 2050 Fund Investor Shares |
| Vanguard Funds VFORX – Vanguard Target Retirement 2040 Fund Investor Shares |
| Vanguard Funds VFTAX – Vanguard Ftse Social Index Admiral |
| Vanguard Funds VGELX – Vanguard Energy Admiral |
| Vanguard Funds VIGAX – Vanguard Growth Index Admiral |
| Vanguard Funds VIMAX – Vanguard Mid-Cap Index Fund Admiral Shares |
| Vanguard Funds VLXVX – Vanguard Target Retirement 2065 Inv |
| Vanguard Funds VMGMX – Vanguard Mid-Cap Growth Index Fund Admiral Shares |
| Vanguard Funds VMVAX – Vanguard Mid Cap Value Index Admiral |
| Vanguard Funds VSGAX – Vanguard Small-Cap Growth Index Fund Admiral Shares |
| Vanguard Funds VSGDX – Vanguard Short-Term Federal Fund Admiral Shares |
| Vanguard Funds VSIAX – Vanguard Small Cap Value Index Fund Admiral Shares |
| Vanguard Funds VSMAX – Vanguard Small-Cap Index Fund Admiral Shares |
| Vanguard Funds VSVNX – Vanguard Target Retirement 2070 |
| Vanguard Funds VTAPX – Vanguard Short-Term Inflation-Protected Securities Index Fund Admiral Shares |
| Vanguard Funds VTHRX – Vanguard Target Retirement 2030 |
| Vanguard Funds VTINX – Vanguard Target Retirement Income Fund Investor Class |
| Vanguard Funds VTIVX – Vanguard Target Retirement 2045 |
| Vanguard Funds VTTHX – Vanguard Target Retirement 2035 Fund Investor Shares |
| Vanguard Funds VTTSX – Vanguard Target Retirement 2060 Fund Investor Shares |
| Vanguard Funds VTTVX – Vanguard Target Retirement 2025 |
| Vanguard Funds VTWNX – Vanguard Target Retirement 2020 |
| Vanguard Funds VUIAX – Vanguard Utilities Index Admiral |
| Fidelity FXAIX – Fidelity |
| Fidelity FXNAX – Fidelity US Bond |
| JPMorgan JCPUX – JPMorgan Core Plus Bond Fund R6 |
| JPMorgan JDEUX – JPMorgan Us Research Enhanced Equity R6 |
| Vanguard VBILX – Vanguard Intermediate-Term Bond Index Fund Admiral Shares |
| Vanguard VCSAX – Vanguard Consumer Staples Index |
| Vanguard VFFVX – Vanguard Target Retirement 2055 Fund Investor Shares |
| Vanguard VFIFX – Vanguard Target Retirement 2050 Fund Investor Shares |
| Vanguard VFORX – Vanguard Target Retirement 2040 Fund Investor Shares |
| Vanguard VFTAX – Vanguard Ftse Social Index Admiral |
| Vanguard VGELX – Vanguard Energy Admiral |
| Vanguard VIGAX – Vanguard Growth Index Admiral |
| Vanguard VIMAX – Vanguard Mid-Cap Index Fund Admiral Shares |
| Vanguard VLXVX – Vanguard Target Retirement 2065 Inv |
| Vanguard VMGMX – Vanguard Mid-Cap Growth Index Fund Admiral Shares |
| Vanguard VMVAX – Vanguard Mid Cap Value Index Admiral |
| Vanguard VSGAX – Vanguard Small-Cap Growth Index Fund Admiral Shares |
| Vanguard VSGDX – Vanguard Short-Term Federal Fund Admiral Shares |
| Vanguard VSIAX – Vanguard Small Cap Value Index Fund Admiral Shares |
| Vanguard VSMAX – Vanguard Small-Cap Index Fund Admiral Shares |
| Vanguard VSVNX – Vanguard Target Retirement 2070 |
| Vanguard VTAPX – Vanguard Short-Term Inflation-Protected Securities Index Fund Admiral Shares |
| Vanguard VTHRX – Vanguard Target Retirement 2030 |
| Vanguard VTINX – Vanguard Target Retirement Income Fund Investor Class |
| Vanguard VTIVX – Vanguard Target Retirement 2045 |
| Vanguard VTTHX – Vanguard Target Retirement 2035 Fund Investor Shares |
| Vanguard VTTSX – Vanguard Target Retirement 2060 Fund Investor Shares |
| Vanguard VTTVX – Vanguard Target Retirement 2025 |
| Vanguard VTWNX – Vanguard Target Retirement 2020 |
| Vanguard VUIAX – Vanguard Utilities Index Admiral |
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 CURRENT HR 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% | … | … |
Data as of 05/01/2026, Common starting date is 12/31/2000
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