INTEGRATED MANAGEMENT SERVICES 401(K) PLAN Investment Options
Available Funds in INTEGRATED MANAGEMENT SERVICES 401(K) PLAN
Below is the lineup of investment options available to participants in INTEGRATED MANAGEMENT SERVICES 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 |
|---|
| Vanguard Target Retirement 2055 Fund – Investor Class 21,345 shares |
| Victory Integrity Small-Cap Value Fund – Class R6 684 shares |
| American Beacon Shapiro SMID Cap Equity R5 11,810 shares |
| Vanguard Dividend Growth Fund – Investor Class 33,491 shares |
| Vanguard Target Retirement 2020 Fund – Investor Class 2,662 shares |
| Franklin Small Cap Growth Fund – Â Class R6 903 shares |
| Vanguard Target Retirement 2040 Fund – Investor Class 108,286 shares |
| Vanguard Intermediate Term Bond Index Fund – Admiral Class 13,105 shares |
| Vanguard International Growth Fund – Admiral Class 1,227 shares |
| Vanguard Target Retirement 2030 Fund – Investor Class 50,132 shares |
| DFA Inflation Protected Securities Portfolio – Institutional Class 2,722 shares |
| Vanguard Target Retirement 2060 Fund – Investor Class 4,391 shares |
| Vanguard Target Retirement 2065 Fund – Investor Class 1,647 shares |
| Vanguard Target Retirement 2035 Fund – Investor Class 77,030 shares |
| Alger Spectra Fund – Class Z 13,661 shares |
| MFS International Intrinsic Value Fund – Class R6 3,903 shares |
| BNY Mellon Small/Mid Cap Growth Fund – Class Y 5,663 shares |
| JP Morgan US Small Company Fund – Class R6 7,247 shares |
| BlackRock High Yield Bond Portfolio – Class K 6,301 shares |
| Vanguard Target Retirement 2050 Fund – Investor Class 35,412 shares |
| JP Morgan Core Plus Bond Fund – Class R6 15,681 shares |
| Columbia Balanced Fund – Institutional 3 Class 2,291 shares |
| Vanguard Target Retirement 2025 Fund – Investor Class 100,293 shares |
| Vanguard Target Retirement 2045 Fund – Investor Class 52,288 shares |
| Vanguard Wellesley Income Fund – Admiral Class 503 shares |
| Vanguard Target Retirement Income Fund – Investor Class 10,673 shares |
| Vanguard Developed Markets Index Fund – Admiral Class 13,931 shares |
| DFA US Core Equity 1 Portfolio – Institutional Class 2,518 shares |
| Vanguard 500 Index Fund – Admiral Class 1,469 shares |
| DFA US Small Cap Portfolio – Institutional Class 3,657 shares |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VAN TARGET RETIRE 2055 |
| AMB SHAPIRO SMID CAP EQ R5 |
| VICTORY INTEGRITY SMCAP VAL R6 |
| VANGUARD DIV GRTH – INV |
| VAN TARGET RETIRE 2020 |
| FRANKLIN SMALL CAP GROWTH R6 |
| VANG TOT STK MKT IDX – ADMIRAL |
| VAN TARGET RETIRE 2040 |
| VANGUARD INTERMEDIATE TERM BON |
| VANGUARD INTL GRTH ADM |
| VAN TARGET RETIRE 2030 |
| DFA INFLATION PROT SEC INST |
| VAN TARG RETIRE 2060 |
| VAN TARG RETIRE 2065 |
| VAN TARGET RETIRE 2035 |
| ALGER SPECTRA FUND Z |
| MFS INTL INTRINSIC VALUE R6 |
| BNYM SM MD CP GR Y |
| JPMORGAN US SMALL COMPANY R6 |
| BLACKROCK HIGH YIELD K |
| VAN TARGET RETIRE 2050 |
| JPMORGAN CORE PLUS BOND R6 |
| COLUMBIA BALANCED FUND – I3 |
| VAN TARGET RETIRE 2025 |
| VAN TARGET RETIRE 2045 |
| VANGUARD WELLESLEY INCOME-ADMR |
| VAN TARGET RETIRE INC |
| VANGUARD DEV MKT INDEX ADMIRAL |
| DFA US CORE EQUITY 1 PORT INST |
| VANGUARD FEDERAL MM INV |
| VANGUARD 500 INDEX FUND – ADM |
| DFA US SM CAP PORTFOLIO INST |
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 INTEGRATED MANAGEMENT SERVICES 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
Looking for ideas to generate income?
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