ESYSTEMS, INC. 401(K) PLAN Investment Options
Available Funds in ESYSTEMS, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in ESYSTEMS, INC. 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 |
|---|
| Invesco CEF Income Composite Exchange-traded fund |
| Invesco DWA Consumer Staples Momentum Exchange-traded fund |
| Invesco India Exchange-traded fund |
| Invesco QQQ Trust Series 1 Exchange-traded fund |
| Invesco Taxable Municipal Bond Exchange-traded fund |
| SPDR S&P Homebuilders Exchange-traded fund |
| SPDR S&P Regional Banking Exchange-traded fund |
| Vanguard Dividend Appreciation Exchange-traded fund |
| Vanguard FTSE All-World Ex-US Exchange-traded fund |
| Vanguard Industrials Exchange-traded fund |
| Vanguard Intermediate Term Bond Exchange-traded fund |
| Vanguard Russell 2000 Exchange-traded fund |
| iShares Biotech Index Fund Exchange-traded fund |
| iShares Core S&P 500 ETF Exchange-traded fund |
| iShares Core U.S. Aggregate Bond Exchange-traded fund |
| iShares MSCI Emerging Mkts Idx Exchange-traded fund |
| iShares US Technology Exchange-traded fund |
| American Century Heritage Registered Investment Company |
| Fidelity Balanced Registered Investment Company |
| Fidelity Blue Chip Growth Registered Investment Company |
| Fidelity Cap & Income Registered Investment Company |
| Fidelity New Millennium Registered Investment Company |
| Fidelity OTC Registered Investment Company |
| Fidelity Select Financials Portfolio Registered Investment Company |
| Harbor Capital Appreciation Inv Registered Investment Company |
| INVESCO DISCOVERY LARGE CAP R6 Registered Investment Company |
| Invesco CEF Income Composite ETF Registered Investment Company |
| Invesco DW A Consumer Staples Momentum ET Registered Investment Company |
| Invesco India ETF Registered Investment Company |
| Invesco QQQ Trust Registered Investment Company |
| Invesco Taxable Municipal Bond ETF Registered Investment Company |
| JPMorgan Smart Retirement Income Instl Registered Investment Company |
| Janus Henderson Venture Fund T Shares Registered Investment Company |
| Loan 4.25% |
| Neuberger/Berman Genesis Registered Investment Company |
| SPDR S&P Homebuilders Registered Investment Company |
| SPDR® S&P Regional Banking ETF Registered Investment Company |
| Schwab Account Schwab Account |
| Schwab Balanced Registered Investment Company |
| T.Rowe Price Sprectrum Conserv Alloc Registered Investment Company |
| USAA NASDAQ-100 Index Registered Investment Company |
| Vanguard Dividend Appreciation ETF Registered Investment Company |
| Vanguard Dividend Growth Registered Investment Company |
| Vanguard FTSE All-World ex-US ETF Registered Investment Company |
| Vanguard Industrials ETF Registered Investment Company |
| Vanguard Intermediate Term Bond Registered Investment Company |
| Vanguard REIT Index ETF Registered Investment Company |
| Vanguard Russell 2000 Registered Investment Company |
| Vanguard Target Retirement Income Registered Investment Company |
| iShares Biotech Index Fund Registered Investment Company |
| iShares MSCI Emerging Mkts Idx Registered Investment Company |
| iShares US Technology ETF Registered Investment Company |
| Invesco DWA Consumer Staples Momentum ET Registered Investment Company |
| T. Rowe Price Sprectrum Conserv Alloc Registered Investment Company |
| iShares Core S&P 500 ETF Registered Investment Company |
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 ESYSTEMS, INC. 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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