INGENUITY PREP 401K Investment Options
Available Funds in INGENUITY PREP 401K
Below is the lineup of investment options available to participants in INGENUITY PREP 401K. 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 |
|---|
| Invesco LTD Collective Trust – Invesco Stable Asset 4,689.0300 |
| Janus Henderson Triton Fund 1,136.6946 |
| JP Morgan JP Morgan Mid Cap Value Fund 326.0077 |
| MFS Investment Management MFS International Diversification Fund 1,900.3597 |
| State Street Corporation State St Target Retirement Fund R3 985.6050 |
| State Street Corporation State St Global EQ EX US Index Fund 762.3046 |
| State Street Corporation State Street Small Mid Cap EQ Index Fund 405.4732 |
| State Street Corporation State St Target Retirement Fund 2060 3,223.3325 |
| JP Morgan JP Morgan US Equity Fund 1,000.3811 |
| State Street Corporation State St Target Retirement Fund 2040 7,094.1949 |
| State Street Corporation State St Target Retirement Fund 2035 2,951.8292 40,8 |
| Invesco LTD Invesco Core Bond Fund 5,852.5850 |
| State Street Corporation State St Target Retirement Fund 2045 12,469.7113 |
| State Street Corporation State St Target Retirement Fund 2020 1,388.2801 |
| JP Morgan JP Morgan US Small Company Fund 2,145.8679 |
| Allspring Global Investments Allspring Special SC Value Fund 1,854.5494 |
| American Funds Growth Fund of America 2,429.1911 |
| State Street Corporation State St Equity 500 Index Fund 449.0809 |
| State Street Corporation State St Aggregate Bond Fund 43.2910 |
| State Street Corporation State St Target Retirement Fund 2030 1,828.1382 |
| State Street Corporation State St Target Retirement Fund 2065 1,302.3536 |
| State Street Corporation State St Target Retirement Fund 2050 28,722.0353 |
| State Street Corporation State St Target Retirement Fund 2055 81,329.5523 |
| State Street Corporation State St Target Retirement Fund 2025 347.1549 |
| JP Morgan JP Morgan Equity Income Fund 2,595.5642 |
| Participant Notes Receivable Participant Notes Receivable – Interest Rate of 5.25% to 10.5% – |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| JANUS HENDERSONTRITON FUND – S |
| STATE ST TARGET RETIRE R3 |
| JPM MID CAP VALUE R3 |
| MFS INTL DIVERSIFICATION R3 |
| SST GLOBAL AC EQ EX-US IDX A |
| STATE ST SMALLMID CAP EQ IDX A |
| STATE ST TARGET RET 2060 R3 |
| JPM US EQUITY FD R3 |
| STATE ST TARGET RET 2040 R3 |
| STATE ST TARGET RET 2035 R3 |
| INVESCO CORE BND A |
| STATE ST TARGET RET 2045 R3 |
| STATE ST TARGET RET 2020 R3 |
| JPM US SMALL COMPANY FD R3 |
| ALLSPRING SPECIAL SC VAL A |
| AM FND THE GROWTH FND OF AM-R3 |
| STATE ST EQUITY 500 INDEX A |
| STATE ST AGGREGATE BOND A |
| STATE ST TARGET RET 2030 R3 |
| STATE ST TARGET RET 2065 R3 |
| STATE ST TARGET RET 2050 R3 |
| STATE ST TARGET RET 2055 R3 |
| JPM EQ INCOME FD R3 |
| STATE ST TARGET RET 2025 R3 |
| INVESCO STABLE ASSET – ADP59 |
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 INGENUITY PREP 401K. 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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