INSPIRE11 401(K) PLAN Investment Options
Available Funds in INSPIRE11 401(K) PLAN
Below is the lineup of investment options available to participants in INSPIRE11 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 Option List |
|---|
| Vanguard Funds Developed Mkts Index ADM |
| Vanguard Grp Bond Index Admiral Class (VBMFX) |
| Vanguard Group Index 500 Admiral (VFINX) |
| Vanguard Emerging Mkts STK ADM CL (VERSX) |
| Vanguard Group Long Term Bond Index ADM (VBLTX) |
| Vanguard Group Growth Index ADM (VTGLX) |
| Vanguard Group Mid Cap Index Admiral (VIMSX) |
| Vanguard Information Technology Index ADM (VITAX) |
| Vanguard Group Small Cap Value Index Admiral (VISVX) |
| Vanguard Group Value Index ADM (VTRIX) |
| Vanguard Specialized Div Dividend Apprec Index ADM |
| Vanguard Group Extended Market Index (VEXMX) |
| Vanguard Group FTSE Social Index ADM (VFTNX) |
| Vanguard Group Small Cap Value Index ADM (VISVX) |
| Vanguard Health Care Index ADM (VGHCX) |
| Vanguard Grp Inflation Protected Security (VIPSX) |
| Vanguard Utilities Index Admiral (VUIAX) |
| Vanguard Group Small Cap Growth Index Admiral (VISGX) |
| Vanguard Financials Index ADM (VAARX) |
| Vanguard Group LG CAP Index Fund ADML (VISVX) |
| Vanguard Group Reserve FED MM FD |
| Vanguard Group EQ INC Admiral |
| Vanguard Group Mid-Cap Value Index FD -Admiral (VMVIX) |
| Vanguard Specialized Div Reit Index Fund ADM SHS (VGSIX) |
| Vanguard Group Short Term Bond Index Admiral (VBISX) |
| Vanguard Group Intm Bd Index Admiral |
| Vanguard Group High Divid Yield Index Admiral (VWEHX) |
| Vanguard Group International Dividend Appreciation (VIAAX) |
| Vanguard Industrials Index Admiral (VINAX) |
| Vanguard Group Ftse All-World ex-Us Index Admiral (VFWIX) |
| Vanguard Materials Index Admiral (VMIAX) |
| Vanguard Telecom Services Index Admiral (VTCAX) |
| Vanguard Energy Index Admiral (VGENX) |
| Vanguard FTSE All-World ex-US SM CAP Admiral (VFSVX) |
| Vanguard Pacific Stock Index Fund Admiral (VPACX) |
| Vanguard European Stock Index Admiral (VEURX) |
| from 4.25 percent to 9.50 percent – |
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 INSPIRE11 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% | … | … |
Get Key Insights for This Plan
Join our community and get data-driven insights about INSPIRE11 401(K) PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- Advocate Aurora Health 401(k) Plan: 100% Match on 3%, Vanguard Institutional Funds, and $355M in Employer Contributions
- VIMSX Fund Review: Vanguard Mid-Cap Index for Long-Term Retirement Wealth
- VFIAX Fund Review: Vanguard 500 Index Admiral Shares for Retirement Savers
- Textron Savings Plan Review: 50% Match on First 10% with Graded Vesting
- Amazon 401(k) Plan Review: 50% Match, 1.1M Participants, and the 3-Year Vesting Catch
- Citizens Financial Group 401(k) Review: Dollar-for-Dollar Match Up to 4% With Immediate Vesting
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 …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching INSPIRE11 401(K) PLAN
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
Related Plans
- BUILDING & EARTH SCIENCES, INC. 401(K) PLAN (281 participants, $14,970,633)
- DIRECTV LATIN AMERICA EMPLOYEE SAVINGS PLAN F/K/A GALAXY LATIN AMERICA EMPLOYEE SAVINGS PLAN (281 participants, $7,325,232)
- PREFERRED TRAVEL GROUP 401(K) PROFIT SHARING PLAN (281 participants, $36,091,207)
- ESET LLC 401(K) PROFIT SHARING PLAN AND TRUST (280 participants, $22,026,539)
- CLEO COMMUNICATIONS, INC. 401(K) PLAN (282 participants, $20,500,791)