HAPCAP 401(K) PROFIT SHARING PLAN Investment Options
Available Funds in HAPCAP 401(K) PROFIT SHARING PLAN
Below is the lineup of investment options available to participants in HAPCAP 401(K) PROFIT SHARING 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 |
|---|
| Voya American Balanced Fund R6 |
| Voya New World Fund R6 |
| Voya New Perspective R6 |
| Voya Inflation-Protected Securities Portfolio Institutional Class |
| Voya U.S. Targeted Value Portfolio Institutional Class |
| Voya Global Bond Fund X |
| Voya International |
| Voya Mid Cap |
| Voya Small Cap |
| Voya U.S. GARP Equity Fund R6 |
| Voya Index Aggressive 2045 Fund |
| Voya Index Aggressive 2055 Fund |
| Voya Index Modified 2035 Fund |
| Voya Index Modified 2045 Fund |
| Voya Index Modified 2055 Fund |
| Voya Index Modified 2065 Fund |
| Voya Index Moderate Retirement Fund |
| Voya Mid Cap Growth R6 |
| Voya Large Cap Responsible Equity Fund |
| Voya High Yield Fund R6 |
| Voya Equity Income Fund Admiral |
| Voya Explorer Fund Admiral |
| Voya LifeStrategy Growth Fund |
| Voya LifeStrategy Income Fund |
| Voya LifeStrategy Moderate Growth Fund |
| Voya Selected Value Fund |
| Voya Intermediate Bond Fund R6 |
| Voya Fixed Account |
| American Funds Am Balanced R6 Registered Investment Company |
| American Funds New World R6 Registered Investment Company |
| American Funds Nw Prspctv R6 Registered Investment Company |
| DFA Infl-Prot Sec Port Ins Registered Investment Company |
| DFA US Targeted Vl Port Ins Registered Investment Company |
| Dodge & Cox Global Bond Fund X Registered Investment Company |
| Fidelity 500 Index Fund Registered Investment Company |
| Fidelity Intl Index Fnd Registered Investment Company |
| Fidelity Mid Cap Idx Fd Registered Investment Company |
| Fidelity Sm Cp Ind Fd Registered Investment Company |
| JPMorgan US GARP Equity F R6 Registered Investment Company |
| Neuberg Berm MdCp Grw Fnd R6 Registered Investment Company |
| Nuveen Large Cap Res Eq R6 Registered Investment Company |
| PGIM High Yield Fund R6 Registered Investment Company |
| Vangrd Equity Income Fund Adm Registered Investment Company |
| Vangrd Explorer Fund Adm Registered Investment Company |
| Vangrd LifeStrat Grw Fd Inv Registered Investment Company |
| Vangrd LifeStrat Inc Fd Inv Registered Investment Company |
| Vangrd LifeStrat Md Grw Fd Inv Registered Investment Company |
| Vangrd Selected Value Fund Inv Registered Investment Company |
| Voya Gv Mny Mkt F A (Hld Acct) Registered Investment Company |
| Voya Intermediate Bond Fund R6 Registered Investment 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 HAPCAP 401(K) PROFIT SHARING 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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