HERITAGE HEALTH 403(B) PLAN Investment Options
Available Funds in HERITAGE HEALTH 403(B) PLAN
Below is the lineup of investment options available to participants in HERITAGE HEALTH 403(B) 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 TRGT Date Retirement Fund R6 |
| American Funds 2025 TRGT Date Retirement Fund R6 |
| American Funds 2030 TRGT Date Retirement Fund R6 |
| American Funds 2035 TRGT Date Retirement Fund R6 |
| American Funds 2040 TRGT Date Retirement Fund R6 |
| American Funds 2045 TRGT Date Retirement Fund R6 |
| American Funds 2050 TRGT Date Retirement Fund R6 |
| American Funds 2055 TRGT Date Retirement Fund R6 |
| American Funds 2060 TRGT Date Retirement Fund R6 |
| American Funds New World R6 |
| American Funds 2015 TRGT Date Retirement Fund R6 |
| Allspring Allspring Special Mid Cap Value Inst |
| Eaton Vance Floating Rate Advantage I |
| Federated Gov Federated Hermes Govt Obl Advisor |
| Fidelity International Index |
| Fidelity Mid Cap Index |
| Fidelity US Bond Index |
| Franklin Convertible Securities R6 |
| Great-West Great-West International Value Instl |
| JP Morgan JPMorgan Large Cap Growth R6 |
| MFS International Diversification R4 |
| MGRS Undiscovered MGRS Behavioral Value R6 |
| Nuveen Large Cap Responsible Equity R6 |
| Pimco Int Bond (USD-Hedged) Inst |
| PGIM Pgim High Yield Z |
| Vanguard Short-Term Treasury Adm |
| Vanguard Small Cap Value Index Admiral |
| Vanguard 500 Index Admiral |
| Vanguard Equity-Income Adm |
| Voya Voya Intermediate Bond R6 |
| Virtus Kar MidCap Growth R6 |
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 HERITAGE HEALTH 403(B) 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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