FLOCK GROUP 401(K) PLAN Investment Options
Available Funds in FLOCK GROUP 401(K) PLAN
Below is the lineup of investment options available to participants in FLOCK GROUP 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 |
|---|
| Vanguard Developed Markets Index Fund Admiral Shares 267,854 # |
| Vanguard Emerging Markets Stock Index Fund Admiral Shares 57,479 # |
| Vanguard 500 Index Fund Admiral Shares 1,615 # |
| Vanguard Growth Index Fund Admiral Shares 2,113 # |
| Vanguard Extended Market Index Fund Admiral Shares 1,635 # |
| Vanguard Mid-Cap Index Fund Admiral Shares 460 # |
| Vanguard Value Index Fund Admiral Shares 1,794 # |
| Vanguard Small-Cap Index Fund Admiral Shares 724 # |
| Vanguard Small-Cap Value Index Fund Admiral Shares 847 # |
| Vanguard Information Technology Index Fund Admiral Shares 193 # |
| Vanguard Short-Term Inflation-Protected Securities Index Fund Admiral Shares 2,307 # |
| Vanguard Short-Term Bond Index Fund Admiral Shares 3,199 # |
| Vanguard Small-Cap Growth Index Fund Admiral Shares 313 # |
| Vanguard Mid-Cap Value Index Fund Admiral Shares 286 # |
| Vanguard Long-Term Bond Index Fund Admiral Shares 1,893 # |
| Vanguard European Stock Index Fund Admiral Shares 209 # |
| Vanguard Dividend Appreciation Index Fund Admiral Shares 302 # |
| Vanguard Intermediate-Term Bond Index Fund Admiral Shares 1,445 # |
| Vanguard Mid-Cap Growth Index Fund Admiral Shares 115 # |
| Vanguard Large-Cap Index Fund Admiral Shares 82 # |
| Vanguard Energy Index Fund Admiral Shares 175 # |
| Vanguard Health Care Index Fund Admiral Shares 83 # |
| Vanguard Financials Index Fund Admiral Shares 150 # |
| Vanguard International Dividend Appreciation Index Fund Admiral Shares 173 # |
| Vanguard FTSE Social Index Fund Admiral Shares 106 # |
| Vanguard Industrials Index Fund Admiral Shares 33 # |
| Vanguard High Dividend Yield Index Fund Admiral Shares 51 # |
| Vanguard FTSE All-World ex-US Small-Cap Index Fund Admiral Shares 65 # |
| Vanguard Communication Services Index Fund Admiral Shares 20 # |
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 FLOCK GROUP 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
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