GROUND ENGINEERING CONSULTANTS, INC. 401(K) PLAN Investment Options
Available Funds in GROUND ENGINEERING CONSULTANTS, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in GROUND ENGINEERING CONSULTANTS, INC. 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 |
|---|
| American Funds 2020 Target Date Retirement Fund R6 31 |
| American Funds 2025 Target Date Retirement Fund R6 809 |
| American Funds 2035 Target Date Retirement Fund R6 878 |
| American Funds 2040 Target Date Retirement Fund R6 |
| American Funds 2045 Target Date Retirement Fund R6 41,443 |
| American Funds 2050 Target Date Retirement Fund R6 48,139 |
| American Funds 2055 Target Date Retirement Fund R6 34,319 |
| American Funds 2060 Target Date Retirement Fund R6 21,163 |
| American Funds 2065 Target Date Retirement Fund R6 5,255 |
| American Funds 2070 Target Date Retirement Fund R6 12 |
| American Funds Fundamental Investors Fund R6 16,576 |
| American Funds New Perspective Fund R6 11,591 |
| Columbia Dividend Income Fund I3 20,440 |
| Columbia Overseas Value Fund I3 8,758 |
| Delaware Emerging Markets Fund R6 2,620 |
| Diamond Hill Large Cap Fund I 43,198 |
| Franklin DynaTech Fund R6 3,620 |
| Janus Henderson Small Cap Value Fund N 6,183 |
| Lord Abbett High Yield Fund R6 53,738 |
| Lord Abbett Short Duration Income Fund R6 69,917 |
| MassMutual Select Mid Cap Growth Equity II Fund I 19,580 |
| MFS International Intrinsic Value Fund R6 1,261 |
| Oakmark International Fund I 14,893 |
| PIMCO Income Institutional Fund I 86,382 |
| PIMCO Long-Term Credit Bond Fund I 10,590 |
| PIMCO Short-Term Institutional Fund I 138,090 |
| PIMCO StocksPlus Absolute Return Fund I 14,594 |
| PIMCO StocksPlus Small Fund I 1,572 |
| Principal MidCap S&P 400 Index Fund R6 5,161 |
| T. Rowe Price Blue Chip Growth Fund I 14,293 |
| T. Rowe Price QM U.S. Small-Cap Growth Equity Fund I 20,794 |
| Undisc Mgrs Behav Value R6 Fund 425 |
| Vanguard GNMA Fund Admiral 20,054 |
| Vanguard International Growth Fund Admiral 1900.59 |
| Vanguard Long-Term Investment-Grade Fund Admiral 105,440 |
| Vanguard Mid-Cap Value Index Fund Admiral 13,041 |
| Vanguard Strategic Equity Fund Investor 3,543 |
| Eaton vance Atlanta Capital SMID-Cap Fund 6,186 |
| Western Asset Core Bond Fund IS 29,595 |
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 GROUND ENGINEERING CONSULTANTS, INC. 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
- Passive real estate investments
- more …
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