GEISINGER SYSTEM SERVICES TAX SHELTERED ANNUITY PROGRAM Investment Options
Available Funds in GEISINGER SYSTEM SERVICES TAX SHELTERED ANNUITY PROGRAM
Below is the lineup of investment options available to participants in GEISINGER SYSTEM SERVICES TAX SHELTERED ANNUITY PROGRAM. 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 |
|---|
| Fidelity Investments Fidelity Growth Company K N/R |
| Fidelity Investments Fidelity Freedom Index 2030 PRM N/R |
| Fidelity Investments Fidelity Freedom Index 2040 PRM N/R |
| Fidelity Investments Fidelity Freedom Index 2035 PRM N/R |
| Fidelity Investments Fidelity Freedom Index 2025 PRM N/R |
| Fidelity Investments Fidelity Freedom Index 2045 PRM N/R |
| Fidelity Investments Fidelity Freedom Index 2050 PRM N/R |
| Fidelity Investments Fidelity Freedom Index 2020 PRM N/R |
| Fidelity Investments Fidelity Freedom Index 2055 PRM N/R |
| Vanguard Mid Cap Index Fund – Institutional N/R |
| Fidelity Investments Fidelity Freedom Index 2015 PRM N/R |
| Fidelity Investments Fidelity International Discover Fund K6 N/R |
| John Hancock Discipline Value R6 N/R |
| Vanguard Smallcap Index Institutional N/R |
| Fidelity Investments Fidelity International Index Institutional N/R |
| JP Morgan JP Morgan Midcap Value L N/R |
| T. Rowe Price Mid Cap Growth Fund N/R |
| Fidelity Investments Fidelity Freedom Index 2060 PRM N/R |
| Victory Victory S Small Co. Op. Y N/R |
| Fidelity Investments Fidelity Freedom Index 2010 PRM N/R |
| Loomis Loomis Small Cap Growth N N/R |
| Fidelity Investments FID FDM IDX INC PRM N/R |
| Fidelity Investments FID FDM IDX 2065 PRM N/R |
| T. Rowe Price T. Rowe Retire 2040 N/R |
| BNY Mellon BNY Mellon S&P 500 Index Fund N/R |
| BNY Mellon BNY Mellon Bond Market Index Fund N/R |
| BNY Mellon BNY Mellon International Stock Index N/R |
| Vanguard Small Cap Index Fund N/R |
| MetLife MetLife Stock Index Port N/R |
| MetLife Russell 2000(R) Index N/R |
| MetLife Met Aggregate Bond Index N/R |
| MetLife MSCI EAFE(R) Index N/R |
| MetLife Jennison Growth Portfolio N/R |
| Voya Voya Growth and Income Port I N/R |
| Voya Fidelity VIP Growth Portfolio I N/R |
| Voya Voya Index Plus LargeCap Portfolio I N/R |
| Voya VY Invesco Eqty & Inc Port I N/R |
| Voya Voya Balance Income Port Ins N/R |
| Voya Fidelity VIP Eqty Income N/R |
| Voya Voya Small Company Portfolio I N/R |
| Voya VY TRowePrice Grwth Eqty Port I N/R |
| Voya Voya Solutions Aggress Pt I N/R |
| Voya VY Inv Global Port I N/R |
| MetLife MFS Research International N/R |
| Voya VY TRowePrice Divr MdCp Gr Pt I N/R |
| Voya Voya Intermediate Bond Port I N/R |
| Voya Voya Global Bond Port I N/R |
| Voya VY TRowePrice Captl Apprec Pt Srv N/R |
| Voya Pioneer High Yield VCT Portfolio I N/R |
| Voya Voya Index Plus SmallCap Portfolio I N/R |
| Voya Lord Abbett Ser Fd Md Cp Stk Prt VC N/R |
| Voya VY TRowePrice Eqty Income Pt Srv N/R |
| Voya Voya Solution Balance Pt I N/R |
| Voya Fidelity VIP Contrafund Port I N/R |
| Voya Voya Long-Term GAA (4560) N/R |
| Voya Voya Large Cap Value Port Inst N/R |
| Voya PIMCO VIT Real Return Portfolio Adm N/R |
| CREF CREF Stock Account N/R |
| CREF CREF Growth Account N/R |
| CREF CREF Social Choice Account N/R |
| CREF CREF Equity Index Account N/R |
| CREF CREF Core Bond N/A |
| CREF CREF Global Equities Account N/R |
| CREF CREF Inflation-Linked Bond Account N/R |
| TIAA Access Lifecycle 2035 N/R |
| TIAA Access Lifecycle 2030 N/R |
| TIAA Access Lifecycle 2040 N/R |
| TIAA Access Lifecycle 2025 N/R |
| TIAA Access Lifecycle 2020 N/R |
| TIAA Access Lifecycle 2045 N/R |
| TIAA Access S&P 500 Index N/R |
| TIAA Access Lifecycle 2050 N/R |
| TIAA Access Large-Cap Growth N/R |
| TIAA Access Growth & Income N/R |
| TIAA Access Lifecycle 2010 N/R |
| TIAA Access Large-Cap Value N/R |
| TIAA Access Equity Index N/R |
| TIAA Access Lifecycle 2015 N/R |
| TIAA Access Quant Small-Cap Equity N/R |
| TIAA Access International Equity Index N/R |
| TIAA Access Small-Cap Blend Index N/R |
| TIAA Access Mid-Cap Growth N/R |
| TIAA Access International Equity N/R |
| TIAA Access Vanguard Selected Value N/R |
| TIAA Access Large-Cap Value Index N/R |
| TIAA Access Vanguard Small-Cap Value Index N/R |
| TIAA Access Vanguard Emerging Markets Stock Ondex N/R |
| TIAA Access Lifecycle 2055 N/R |
| TIAA Access Bond Index N/R |
| TIAA Access Inflation-Linked Bond N/R |
| TIAA Access Social Choice Equity N/R |
| TIAA Access High-Yield N/R |
| TIAA Access Western Asset Core Plus Bond N/R |
| TIAA Access TRP Institutional Large-Cap Growth N/R |
| TIAA Access Core Bond N/R |
| TIAA Access American Funds EuroPacific Growth N/R |
| TIAA Access Vanguard Wellington N/R |
| TIAA Access DFA Emerging Markets Equity Portfolio N/R |
| TIAA Access Mid-Cap Value N/R |
| TIAA Access Vanguard Explorer N/R |
| TIAA Access Core Bond Plus N/R |
| Metlife MetLife Group Choice EG N/R |
| Metlife MetLife Fixed Rider N/R |
| Metlife GTS Fixed Account N/R |
| Voya Voya Fixed Plus Account N/R |
| Voya Voya Fixed Account N/R |
| Voya Voya Fixed Plus Account II N/R |
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 GEISINGER SYSTEM SERVICES TAX SHELTERED ANNUITY PROGRAM. 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
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