EDIFECS 401(K) PLAN Investment Options
Available Funds in EDIFECS 401(K) PLAN
Below is the lineup of investment options available to participants in EDIFECS 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 |
|---|
| American Funds 2010 Target Date Ret – R6 Registered Investment Company |
| American Funds 2015 Target Date Ret – R6 Registered Investment Company |
| American Funds 2020 Target Date Ret – R6 Registered Investment Company |
| American Funds 2025 Target Date Ret – R6 Registered Investment Company |
| American Funds 2030 Target Date Ret – R6 Registered Investment Company |
| American Funds 2035 Target Date Ret – R6 Registered Investment Company |
| American Funds 2040 Target Date Ret – R6 Registered Investment Company |
| American Funds 2045 Target Date Ret – R6 Registered Investment Company |
| American Funds 2050 Target Date Ret – R6 Registered Investment Company |
| American Funds EuroPacific Growth Fund – R6 Registered Investment Company |
| Calamos Timpani Small Cap Growth Fund – R6 Registered Investment Company |
| DFA Inflation-Protected Securities Portfolio – Institutional Registered Investment Company |
| DFA International Core Equity 2 Portfolio – Institutional Registered Investment Company |
| Fidelity Advisor Value Strategies – K Registered Investment Company |
| JPMorgan U.S. Research Enhanced Equity Fund – R6 Registered Investment Company |
| Nuveen International Eq Index Fund – R6 Registered Investment Company |
| Putnam Large Cap Growth Fund – R6 Registered Investment Company |
| Putnam Large Cap Value Fund – R6 Registered Investment Company |
| Vanguard 500 Index Fund – Admiral Registered Investment Company |
| Vanguard Balanced Index Fund – Admiral Registered Investment Company |
| Vanguard Intermediate Term Bond Index Fund Registered Investment Company |
| Vanguard Mid Cap Growth Index Fund – Admiral Registered Investment Company |
| Vanguard Mid-Cap Index Fund – Admiral Registered Investment Company |
| Vanguard Small Cap Index Fund – Admiral Registered Investment Company |
| Vanguard Small Cap Value Index Fund – Admiral Registered Investment Company |
| Vanguard Wellesley Income Fund – Admiral Registered Investment Company |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| AMERFUNDS 2020 TARG DATERET R6 |
| DFA INFLATION PROT SEC INST |
| CALAMOS TIMPANI SM CAP GR R6 |
| VANGUARD 500 INDEX FUND – ADM |
| AMERFUNDS 2025 TARG DATERET R6 |
| DFA INTL CORE EQUITY 2 INST |
| VANGUARD BAL IDX – ADM |
| VANGUARD MID CAP INDEX – ADM |
| JPMORGAN US RSCH ENHANCED EQ R |
| VANGUARD MIDCAP GROWTH IDX ADM |
| AMERFUNDS 2010 TARG DATERET R6 |
| VANGUARD INTERMEDIATE TERM BON |
| AMERFUNDS 2015 TARG DATERET R6 |
| AMERFUNDS 2045 TARG DATERET R6 |
| FIDELITY ADVISOR VALUE STRAT K |
| AMERFUNDS 2040 TARG DATERET R6 |
| VANGUARD FEDERAL MM INV |
| PUTNAM LARGE CAP GROWTH R6 |
| AMERICAN FUNDS EUROPAC GRO- R6 |
| VANGUARD SMALL CAP INDEX ADMRL |
| AMERFUNDS 2030 TARG DATERET R6 |
| VANGUARD WELLESLEY INCOME-ADMR |
| VANGUARD SM CAP VAL INDEX ADM |
| AMERFUNDS 2050 TARG DATERET R6 |
| PUTNAM LARGE CAP VALUE R6 |
| AMERFUNDS 2035 TARG DATERET R6 |
| NUVEEN INT EQ INDEX R6 |
| VANG TOT STK MKT IDX – 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 EDIFECS 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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