HYDRO-GEAR RETIREMENT PLAN Investment Options
Available Funds in HYDRO-GEAR RETIREMENT PLAN
Below is the lineup of investment options available to participants in HYDRO-GEAR RETIREMENT 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 |
|---|
| GALLIARD STABLE RETURN FUND C 14,216 units |
| AMERICAN FUNDS 2010 TRGT DATE RETIRE R6 3,105 shares |
| AMERICAN FUNDS 2015 TRGT DATE RETIRE R6 68,999 shares |
| AMERICAN FUNDS 2020 TRGT DATE RETIRE R6 39,943 shares |
| AMERICAN FUNDS 2025 TRGT DATE RETIRE R6 321,243 shares |
| AMERICAN FUNDS 2030 TRGT DATE RETIRE R6 288,113 shares |
| AMERICAN FUNDS 2035 TRGT DATE RETIRE R6 207,240 shares |
| AMERICAN FUNDS 2040 TRGT DATE RETIRE R6 73,729 shares |
| AMERICAN FUNDS 2045 TRGT DATE RETIRE R6 75,759 shares |
| AMERICAN FUNDS 2050 TRGT DATE RETIRE R6 57,578 shares |
| AMERICAN FUNDS 2055 TRGT DATE RETIRE R6 74,285 shares |
| AMERICAN FUNDS 2060 TRGT DATE RETIRE R6 99,700 shares |
| AMERICAN FUNDS 2065 TRGT DATE RETIRE R6 41,974 shares |
| AMERICAN FUNDS 2070 TRGT DATE RETIRE R6 9,389 shares |
| AMERICAN FUNDS NEW WORLD R6 14,062 shares |
| ISHARES MSCI EAFE INTERNATIONAL INDEX K 17,906 shares |
| MFS INTL DIVERSIFICATION R6 210,548 shares |
| PIMCO COMMODITIESPLUS STRATEGY INSTL 14,327 shares |
| ISHARES RUSSELL 2000 SMALL-CAP INDEX K 117,137 shares |
| ISHARES RUSSELL MID-CAP INDEX K 291,571 shares |
| JPMORGAN MID CAP GROWTH R6 24,612 shares |
| MFS MID CAP VALUE R6 45,510 shares |
| ISHARES S&P 500 INDEX K 14,167 shares |
| JPMORGAN LARGE CAP GROWTH R6 50,167 shares |
| MFS VALUE R6 65,570 shares |
| T. ROWE PRICE ALL-CAP OPPORTUNITIES I 7,361 shares |
| AMERICAN FUNDS STRATEGIC BOND R6 195,762 shares |
| ISHARES U.S. AGGREGATE BOND INDEX K 10,115 shares |
| DODGE & COX INCOME – I 161,348 shares |
| EATON VANCE INCOME FUND OF BOSTON R6 108,005 shares |
| PIMCO INCOME INSTL 271,596 shares |
| EMPOWER GUARANTEED INCOME FUND 47,267 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 HYDRO-GEAR RETIREMENT 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
- Passive real estate investments
- more …
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