HERITAGE POINTE COMMUNITIES 403(B) PLAN Investment Options
Available Funds in HERITAGE POINTE COMMUNITIES 403(B) PLAN
Below is the lineup of investment options available to participants in HERITAGE POINTE COMMUNITIES 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 |
|---|
| Federated Hermes Government Obligations Fund Premier 2,617 Shares |
| Fidelity 500 Index Fund 29,483 Shares |
| Fidelity Small Cap Index Fund 3,315 Shares |
| Fidelity Advisor International Growth Fund Class I 3,151 Shares |
| Franklin Utilities Fund Advisor Class 1,535 Shares |
| JPMorgan Large Cap Growth Fund Class R6 4,221 Shares |
| JPMorgan Small Cap Equity Fund Class R5 1,092 Shares |
| MFS Mid Cap Growth Fund Class R6 13,348 Shares |
| Vanguard Growth Index Fund Admiral Shares 16,980 Shares |
| Vanguard Information Techonology Index Fund Admiral Shares 19,467 Shares |
| Vanguard Mid-Cap Value Index Fund Admiral Shares 1,373 Shares |
| Vanguard Mid-Cap Index Fund Admiral Shares 1,078 Shares |
| Vanguard Short-Term Bond Index Fund Admiral Shares 26,344 Shares |
| Vanguard Small-Cap Index Fund Admiral Shares 12,967 Shares |
| Vanguard Small-Cap Value Index Fund Admiral Shares 4,398 Shares |
| Vanguard Target Retirement 2020 Fund 196,929 Shares |
| Vanguard Target Retirement 2025 Fund 157,187 Shares |
| Vanguard Target Retirement 2030 Fund 392,091 Shares |
| Vanguard Target Retirement 2035 Fund 422,072 Shares |
| Vanguard Target Retirement 2040 Fund 227,756 Shares |
| Vanguard Target Retirement 2045 Fund 196,048 Shares |
| Vanguard Target Retirement 2050 Fund 244,362 Shares |
| Vanguard Target Retirement 2055 Fund 78,719 Shares |
| Vanguard Target Retirement 2060 Fund 52,478 Shares |
| Vanguard Target Retirement 2065 Fund 41,757 Shares |
| Vanguard Target Retirement Income Fund 135,783 Shares |
| Vanguard Value Index Fund Admiral Shares 3,839 Shares |
| Vanguard Windsor II Fund Admiral Shares 18,068 Shares |
| Victory Nasdaq 100 Index Fund R6 Shares 3,349 Shares |
| Fidelity Blue Chip Growth K6 Fund 2,988 Shares |
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 POINTE COMMUNITIES 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
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