EMBARK VETERINARY RETIREMENT PLAN Investment Options
Available Funds in EMBARK VETERINARY RETIREMENT PLAN
Below is the lineup of investment options available to participants in EMBARK VETERINARY RETIREMENT 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 |
|---|
| AB Sustainable Global Thematic Fund 205.1890 shares |
| Principal Blue Chip Fund 652.5840 shares |
| Columbia Small Cap Value Fund 120.7220 shares |
| Black Rock Equity Dividend Fund 1,624.2150 shares |
| AB Small Cap Growth Fund 181.1740 shares |
| Cohen & Steers Realty Shares Fund 3.1500 shares |
| Black Rock High Yield Bond Fund 597.7870 shares |
| MFS Mid Cap Value Fund 1,988.1950 shares |
| American Funds EuroPacific Growth Fund 470.2020 shares |
| American Funds New World Funds 376.9190 shares |
| Vanguard Consumer Staples Index Fund 174.2300 shares |
| Fidelity US Bond Index Fund 3,970.5010 shares |
| Fidelity 500 Index Fund 5,404.8050 shares |
| Fidelity Mid Cap Index Fund 1,322.7020 shares |
| Fidelity Small Cap Index Fund 3,545.6520 shares |
| Fidelity International Index Fund 4,678.9020 shares |
| Fidelity Freedom Index Income Fund 31,310.5690 shares |
| Fidelity Freedom Index 2035 Fund 14,162.8710 shares |
| Fidelity Freedom Index 2040 Fund 28,163.8940 shares |
| Fidelity Freedom Index 2045 Fund 12,590.7650 shares |
| Fidelity Freedom Index 2050 Fund 53,873.8470 shares |
| Fidelity Freedom Index 2055 Fund 109,037.2370 shares |
| Fidelity Freedom Index 2060 Fund 61,280.3720 shares |
| Fidelity Large Cap Growth Index Fund 4,683.2360 shares |
| Fidelity Large Cap Value Index Fund 10,597.9090 shares |
| Fidelity Short-Term Treasury Bond Index Fund 641.2540 shares |
| Fidelity Mid Cap Growth Index Fund 768.3910 shares |
| Fidelity Mid Cap Value Index Fund 2,221,628.0000 shares |
| Fidelity Small Cap Index Fund 999.4090 shares |
| Fidelity Freedom Index 2065 Fund 14,289.7700 shares |
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 EMBARK VETERINARY RETIREMENT 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
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