FOSTER THOMAS RETIREMENT PLAN Investment Options
Available Funds in FOSTER THOMAS RETIREMENT PLAN
Below is the lineup of investment options available to participants in FOSTER THOMAS 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 |
|---|
| #52-1826441 Plan |
| Participants loan 4.25% – 9.50% – $0 – |
| Transamerica Life Ins Co AB Intl Val Inv Opt |
| Transamerica Life Ins Co AllSpring Small Cap Val Inv Opt |
| Transamerica Life Ins Co American Fds EuroPacific Gr Ret Opt |
| Transamerica Life Ins Co American Century Heritage Inv Opt |
| Transamerica Life Ins Co American Century Lg Co Val Inv Opt |
| Transamerica Life Ins Co American Funds AMCAP Inv Opt |
| Transamerica Life Ins Co American Funds Balanced Inv Opt |
| Transamerica Life Ins Co Amer Fds New Perspective Inv |
| Transamerica Life Ins Co American Fds SMALLCAP World Ret Opt |
| Transamerica Life Ins Co Calvert Eq Inv Opt |
| Transamerica Life Ins Co Columbia Mid Cap Val Inv Opt |
| Transamerica Life Ins Co Fidelity Adv Small Cap Inv Opt |
| Transamerica Life Ins Co Franklin Mtl Financial Svcs Inv Opt |
| Transamerica Life Ins Co Franklin Small Cap Val Ret Opt |
| Transamerica Life Ins Co Goldman Sachs Mid Cap Val Ret Opt |
| Transamerica Life Ins Co Invesco American Franchise Inv Opt |
| Transamerica Life Ins Co Invesco Glbl Ret Opt |
| Transamerica Life Ins Co Invesco Intl Bd Ret Opt |
| Transamerica Life Ins Co Invesco Intl Gr Ret Opt |
| Transamerica Life Ins Co Invesco Main Street Inv Opt |
| Transamerica Life Ins Co Invesco Main Street Mid Cap Ret Opt |
| Transamerica Life Ins Co Janus Forty Ret Opt |
| Transamerica Life Ins Co JPMorgan Core Bd Ret Opt |
| Transamerica Life Ins Co Loomis Sayles Bd Ret Opt |
| Transamerica Life Ins Co Franklin Mtl Shares Inv Opt |
| Transamerica Life Ins Co Neuberger Berman Lg Cap Val Inv Opt |
| Transamerica Life Ins Co Pioneer Bd Ret Opt |
| Transamerica Life Ins Co Pioneer Disciplined Val Inv Opt |
| Transamerica Life Ins Co State Street Emerg Mkt Idx Ret Opt |
| Transamerica Life Ins Co State Street Russell Lg cp Gr Idx |
| Transamerica Life Ins Co State Street Russell Lg cp Val Idx |
| Transamerica Life Ins Co State Street Russell Sm cp Idx Opt |
| Transamerica Life Ins Co State Street Russell Sm cp Val Idx |
| Transamerica Life Ins Co State Street S&P Md cp Idx Ret Opt |
| Transamerica Life Ins Co State Street U.S. Bd Idx Ret Opt |
| Transamerica Life Ins Co Thornburg Core Gr Ret Opt |
| Transamerica Life Ins Co Transamer asst allc-Gr Prtf Rt Opt |
| Transamerica Life Ins Co Transamerica Ptnr Core Bd Rt Opt II |
| Transamerica Life Ins Co Transamerica Intl Gr Ret Opt |
| Transamerica Life Ins Co Transamerica LG 2035 BlackRock |
| Transamerica Life Ins Co Transamerica LG 2040 BlackRock |
| Transamerica Life Ins Co Transamerica LG 2045 BlackRock |
| Transamerica Life Ins Co Transamerica LG 2050 BlackRock |
| Transamerica Life Ins Co Transamerica LG 2055 BlackRock |
| Transamerica Life Ins Co Transamerica Ptnr Md Val Rt Opt |
| Transamerica Life Ins Co Transamerica Mid-Cap Gr Ret Opt |
| Transamerica Life Ins Co Transamerica Ptnr High Yield Bd |
| Transamerica Life Ins Co Transamerica Ptnr Stock Idx Rt Opt |
| Transamerica Life Ins Co WMC Disciplined US Gr Ret Opt |
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 FOSTER THOMAS 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
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