GREATER MIDLAND COMMUNITY CENTER INC. RETIREMENT SAVINGS PLAN Investment Options

Available Funds in GREATER MIDLAND COMMUNITY CENTER INC. RETIREMENT SAVINGS PLAN

Below is the lineup of investment options available to participants in GREATER MIDLAND COMMUNITY CENTER INC. RETIREMENT SAVINGS 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.

Total Available Funds: 57
Investment Description
American Funds Euro Pacific Growth N/A
American Funds International Growth & Income N/A
DFA International Small Company N/A
Dodge & Cox Income Fund N/A
Pimco Intr BD FD Inst N/A
Principal High Yield N/A
Vanguard Target Retirement 2020 Fund N/A
Vanguard Target Retirement 2025 Fund N/A
Vanguard Target Retirement 2030 Fund N/A
Vanguard Target Retirement 2035 Fund N/A
Vanguard Target Retirement 2040 Fund N/A
Vanguard Target Retirement 2045 Fund N/A
Vanguard Target Retirement 2050 Fund N/A
Vanguard Target Retirement 2055 Fund N/A
Vanguard Target Retirement 2060 Fund N/A
Vanguard Target Retirement 2065 Fund N/A
Vanguard Target Retirement 2070 Fund N/A
Vanguard Index Trust 500 Portfolio N/A
Vanguard Inflation-Protected Securities N/A
Vanguard Mid-Cap Value Index Fund N/A
Vanguard Small Cap Value Index Fund N/A
Vanguard GNMA N/A
Vanguard Equity Income N/A
Vanguard Mid-Cap Growth Index N/A
Vanguard Small Cap Growth Index N/A
Vanguard Growth Index Admiral N/A
balance N/A
(Form 5500)
(6) Net investment gain (loss) from common/collective trusts …………………… 2b
VAN TARGET RETIRE 2055
VAN TARGET RETIRE 2030
VANG EQUITY INC ADM
VAN INFL PROTECTED SEC – ADMR
VAN TARGET RETIRE 2050
VAN TARGET RETIRE 2040
VANGUARD MIDCAP GROWTH IDX ADM
DODGE & COX INCOME I
AMERICAN FUNDS EUROPAC GRO- R6
VANGUARD MID CAP VALUE IND ADM
DFA INTERNATIONAL SM CO INST
VANGUARD SM CP GR IDX -ADMIRAL
AMERICAN FUNDS INT GR & INC R6
VAN TARGET RETIRE 2025
VANGUARD GROWTH INDEX FUND ADM
VAN TARG RETIRE 2065
VANGUARD TOT BND MKT IND- ADM
VAN TARGET RETIRE 2020
VANGUARD GNMA ADM
PIMCO INTL BOND USD HDGD I
VAN TARGET RETIRE 2045
VAN TARGET RETIRE 2035
PRINCIPAL HI YLD INSTL
VAN TARG RETIRE 2060
VANGUARD 500 INDEX FUND – ADM
VANGUARD SM CAP VAL INDEX ADM
VAN TARG RETIRE 2070
MET GG SV 25554 – J

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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 GREATER MIDLAND COMMUNITY CENTER INC. RETIREMENT SAVINGS 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%
Data as of 05/01/2026, Common starting date is 12/31/2000

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