DCI ENGINEERS 401(K) RETIREMENT PLAN & TRUST Investment Options
Available Funds in DCI ENGINEERS 401(K) RETIREMENT PLAN & TRUST
Below is the lineup of investment options available to participants in DCI ENGINEERS 401(K) RETIREMENT PLAN & TRUST. 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 |
|---|
| JPMORGAN LARGE CAP GROWTH R6 Registered investment company (SEEGX) |
| VANGUARD 500 INDEX F Registered investment company (VFINX) |
| DFA INTL LARGE CAP GWTH INST Registered investment company |
| AMERICAN MUTAL FUND R6 Registered investment company |
| VANGUARD MID CAP INDEX FUND ADMIRAL Registered investment company (VIMSX) |
| VANGUARD SMALL CAP INDEX ADMIRAL SH Registered investment company (VISVX) |
| DODGE & COX INCOME F Registered investment company (DODIX) |
| T ROWE PRICE NEW HORIZONS FUND Registered investment company (PRNHX) |
| VANGUARD TARGET RETIREMENT 2055 INV Registered investment company (VTOVX) |
| VANGUARD TARGET RETIREMENT 2050 FD I Registered investment company (VFIFX) |
| VANGUARD TARGET RETIREMENT 2060 INV Registered investment company (VTOVX) |
| PARNASSUS CORE EQTY FD INST Registered investment company |
| VANGUARD MID CAP VALINDEX ADMIRAL Registered investment company (VIMSX) |
| DFA EMERGING MKTS PORT INSTL Registered investment company (LIEMX) |
| DFA INTL SMALL CO PORT INSTL Registered investment company (DFMPX) |
| VANGUARD TARGET RETIREMENT 2025 FD I Registered investment company (VTTVX) |
| VANGUARD MID-CAP GROWTH INDEX ADMIRA Registered investment company (VMGIX) |
| VANGUARD SMALL CAP GROWTH INDEX ADMI Registered investment company (VISGX) |
| DFA US SMALL CAP VALUE PORT INSTL Registered investment company (DISVX) |
| VANGUARD SHORT-TERM INVST GRADE ADM Registered investment company (VFSTX) |
| DFA INTL SUSTAIN CORE 1 PORT INSTL Registered investment company (CDFPX) |
| DFA INFLATION PROTECT SEC PORT INSTL Registered investment company |
| VANGUARD TARGET RETIREMENT 2035 FD I Registered investment company (VTTHX) |
| VANGUARD TARGET RETIREMENT 2045 FD I Registered investment company (VTIVX) |
| AMERICAN FD AMERICAN BAL FD R6 Registered investment company |
| DFA US MICRO CAP PORT INSTL Registered investment company (RYOTX) |
| VANGUARD TARGET RETIREMENT 2065 Registered investment company (VSXFX) |
| VANGUARD TARGET RETIREMENT 2040 FD I Registered investment company (VFORX) |
| VANGUARD TARGET RETIREMENT 2030 FD I Registered investment company (VTHRX) |
| VANGUARD TARGET RETIREMENT 2020 FD I Registered investment company (VTWNX) |
| VANGUARD TARGET RETIREMENT 2070 FUND Registered investment company (VSVNX) |
| VANGUARD TARGET RETIREMENT INCM INV Registered investment company (VTOVX) |
| maturing through November 2036 -0- |
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 DCI ENGINEERS 401(K) RETIREMENT PLAN & TRUST. 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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