GREYSTAR 401(K) PLAN Investment Options
Available Funds in GREYSTAR 401(K) PLAN
Below is the lineup of investment options available to participants in GREYSTAR 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 |
|---|
| BlackRock Funds iShares S&P 500 Index Institutional Fund |
| Lord Abbett GM Lord Abbett Short Duration Income Fund |
| Investments GM Columbia Select Large Cap Value Fund |
| Nuveen Securities, LLC GM Nuveen Winslow Large-Cap Growth ESG Fund |
| Nuveen Securities, LLC Nuveen Winslow Large-Cap Growth ESG Fund |
| Fidelity Investments GM Fidelity Advisor® Value Strategies Fund |
| Loomis Sayles GM Loomis Sayles Core Plus Bond Fund |
| Loomis Sayles GM Loomis Sayles Global Allocation Fund |
| Janus Henderson Investors GM Janus Henderson Global Equity Income Fund |
| Jennison Associates GM PGIM Jennison Mid-Cap Growth Fund |
| Morningstar GM MFS International Growth Fund |
| Oppenheimer Funds Invesco Small Cap Value Fund |
| Goldman Sachs International Equity ESG Fund |
| Fidelity Investments Fidelity Advisor® Value Strategies Fund |
| Oppenheimer Funds GM Invesco Oppenheimer Small Cap Value Fund |
| American Century Investments GM American Century Short Duration Inflation Protection Fund |
| Matthews Asia GM Matthews Emerging Markets Small Company Fund |
| PIMCO GM PIMCO Commodity Real Return Strategy Fund |
| Janus Henderson Investors Janus Henderson Global Technology and Innovation Fund |
| Loomis Sayles Loomis Sayles Core Plus Bond Fund |
| Investments Columbia Select Large Cap Value Fund |
| Investments Columbia Contrarian Core Fund |
| Jennison Associates PGIM Jennison Mid-Cap Growth Fund |
| American Funds New Perspective Fund |
| Pioneer Investments GM Pioneer Strategic Income Fund |
| Allspring Global Investments GM Allspring Small Company Growth Fund |
| Allspring Global Investments Allspring Small Company Growth Fund |
| Morningstar MFS International Growth Fund |
| Loomis Sayles Loomis Sayles Global Allocation Fund |
| Investments Columbia MidCap |
| Vanguard Growth Index Admiral Fund |
| Investments Columbia Small-Cap |
| BlackRock Funds BlackRock High Yield Bond Fund |
| BlackRock Funds iShares MSCI EAFE International |
| Investments Columbia Balanced Fund |
| Matthews Asia Matthews Emerging Markets Small Company Fund |
| Vanguard Balanced Index Admiral Fund |
| Lord Abbett Short Duration Income Fund |
| Pioneer Investments Pioneer Strategic Income Fund |
| Oppenheimer Funds Invesco EQV International Small Company Fund |
| Vanguard Value Index Admiral Fund |
| Janus Henderson Investors Janus Henderson Global Equity Income Fund |
| Managers Eaton Vance Floating Rate & High Income Fund |
| Vanguard Mid Cap Growth Index Admiral Fund |
| PIMCO Commodity Real Return Strategy Fund |
| Macquarie Asset Management Macquarie Extended Duration Bond A |
| Oppenheimer Funds Invesco International Small-Mid Company Fund |
| Fidelity Investments Fidelity US Bond |
| Vanguard Mid Cap Value Index Admiral Fund |
| BlackRock Funds BlackRock Inflation Protected Bond Fund |
| Vanguard Small Cap Growth Index Admiral Fund |
| American Century Investments American Century Short Duration Inflation Protection Fund |
| Morningstar MFS Emerging Markets Debt Fund |
| Vanguard Small Cap Value Index Admiral Fund |
| Vanguard Emerging Markets Stock Index Admiral Fund |
| Vanguard Short Term Bond Index Admiral Fund |
| Vanguard FTSE All World exUS Small Cap |
| Vanguard Short Term Inflation Protection Index Admiral Fund |
| Company of America Empower Investments Fixed Account |
| dates through July 2054 |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| Loomis Sayles |
| Lord Abbett |
| Macquarie |
| Eaton Vance |
| Columbia |
| American Century |
| BlackRock |
| Goldman Sachs |
| American Funds |
| Fidelity |
| Matthews |
| Vanguard |
| Allspring |
| Participant's Loan Account |
| Ascensus Trust 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 GREYSTAR 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
- Dividend stock funds
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