GUIDEPOINT SECURITY, LLC 401(K) PLAN Investment Options

Available Funds in GUIDEPOINT SECURITY, LLC 401(K) PLAN

Below is the lineup of investment options available to participants in GUIDEPOINT SECURITY, LLC 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.

Total Available Funds: 46
Investment Description
FID GOVT MMKT K6
BLKRK LP IDX 2045 K
BLKRK LP IDX 2040 K
BLKRK LP IDX 2050 K
BLKRK LP IDX 2035 K
FID 500 INDEX
BLKRK LP IDX 2055 K
BLKRK LP IDX 2030 K
BLKRK LP IDX 2060 K
JPM LG CAP GROWTH R6
BLKRK LP IDX RTMT K
BLKRK LP IDX 2065 K
HTFD EQUITY INC R6
J H ENTERPRISE N
MFS INTL GROWTH R6
AF WASH MUTL INV R6
PIMCO INCOME INST
BR MID-CAP VALUE K
IS MSCI TOT INTL K
AF NEW PERSPECT R6
AM CENT SM CAP GR R6
DFA US SM CAP VALUE
IS R MID-CAP IDX K
IS R2000 SM-CAP K
AF NEW WORLD R6
AF BALANCED R6
IS US AGG BD IDX K
AF BOND FD AMER R6
BLKRK 20/80 TA K
AF CAP INC BLDR R6
BLKRK INFL PRO BD K
AMERICAN FUNDS WASH MUTL INV INV OPT R6
MASSMUTUAL BLUE CHIP GROWTH CSI
BLKRK 80/20 TA K
MASSMUTUAL INFL-PROT AND INC I
MASSMUTUAL CORE BOND I
PIONEER STRATEGIC INCOME K
AMERICAN CENTURY EMERGING MARKETS R6
AMERICAN FUNDS EUROPAC GRWT INV OPT R6
MASSMUTUAL GLOBAL CSI
VIRTUS CEREDEX MID-CAP VALUE EQUITY R6
AMERICAN CENTURY SMALL CAP GROWTH R6
MASSMUTUAL MIDCAP GROWTH CSI
ALLSPRING SPECIAL SMALL CAP VALUE R6
GENERAL ACCOUNT
Notes receivable from participants (4.25%-9.50%)

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 GUIDEPOINT SECURITY, LLC 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%
Data as of 05/01/2026, Common starting date is 12/31/2000

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