HSC 401(K) PLAN Investment Options
Available Funds in HSC 401(K) PLAN
Below is the lineup of investment options available to participants in HSC 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 |
|---|
| Aegon US High Yield Ret opt 647 $ – |
| BlackRock Equity Dividend Ret Opt 700 – |
| Columbia Acorn International Ret Opt 39 – |
| DFA Inflation-Protected Securities Portfolio Ret Opt 1,818 – |
| Invesco Developing Markets Ret Opt 203 – |
| JPMorgan Long Duration Ret Opt 570 – |
| Loomis Sayles Investment Grade Bond Ret Opt 626 – |
| MFS International Intrinsic Value Ret Opt 1,857 – |
| MFS Massachusetts Investors Ret Opt 2,541 – |
| Macquarie Asset Strategy ret Opt 552 – |
| Morgan Stanley Growth Ret Opt 2,867 – |
| Prudential Jennison Mid Cap Growth Ret Opt 1,772 – |
| State Street International Index Ret Opt 765 – |
| State Street S&P Mid Cap Index Ret Opt 1,147 – |
| State Street U.S. Bond Index Ret Opt 887 – |
| Transamerica LifeGoal 2025 w/ BlackRock Ret Opt 84,805 – |
| Transamerica LifeGoal 2030 w/ BlackRock Ret Opt 50,099 – |
| Transamerica LifeGoal 2035 w/ BlackRock Ret Opt 31,890 – |
| Transamerica LifeGoal 2040 w/ BlackRock Ret Opt 14,026 – |
| Transamerica LifeGoal 2045 w/ BlackRock Ret Opt 12,442 – |
| Transamerica LifeGoal 2050 w/ BlackRock Ret Opt 11,899 – |
| Transamerica LifeGoal 2055 w/ BlackRock Ret Opt 1,727 – |
| Transamerica LifeGoal 2060 w/ BlackRock Ret Opt 1,447 – |
| Transamerica LifeGoal 2065 w/ BlackRock Ret Opt 80 – |
| Transamerica LifeGoal Ret w/ BlackRock Ret Opt 93,565 – |
| Transamerica Partners Stock Index Ret Opt 1,418 – |
| Transamerica Small Cap Growth Ret Opt 55 – |
| Transamerica Small/Mid Cap Value Ret Opt 258 – |
| Vanguard Small-Cap Index Ret Opt 305 – |
| Virtus Ceredex Mid-Cap Val Eqty 605 – |
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 HSC 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
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