INX INTERNATIONAL RETIREMENT SAVINGS PLAN Investment Options

Available Funds in INX INTERNATIONAL RETIREMENT SAVINGS PLAN

Below is the lineup of investment options available to participants in INX INTERNATIONAL RETIREMENT SAVINGS 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.

Total Available Funds: 42
Investment Description
Artisan Small Cap Fund
American Funds Europacific Growth Fund R6
Fidelity 500 Index
Fidelity Extended Market Index
Fidelity US Bond Index
Invesco Diversified Dividend R5 Fund
Victory Sycamore Small Company Fund
Vanguard Target Retirement 2020 Fund
Vanguard Target Retirement 2025 Fund
Vanguard Target Retirement 2030 Fund
Vanguard Target Retirement 2035 Fund
Vanguard Target Retirement 2040 Fund
Vanguard Target Retirement 2045 Fund
Vanguard Target Retirement 2050 Fund
Vanguard Target Retirement 2055 Fund
Vanguard Target Retirement 2060 Fund
Vanguard Target Retirement 2065 Fund
Vanguard Target Retirement 2070 Fund
Vanguard Target Retirement Income Fund
American Century US Large Cap Growth Equity Trust
State Street Real Assest NL C
Prudential Core Plus Bond Class
Galliard Managed Income Fund Core
ARTISAN SMALL CAP Registered Investment Company
EUROPACIFIC GROWTH R6 Registered Investment Company
FIDELITY 500 INDEX Registered Investment Company
FIDELITY EXTENDED MARKET INDEX Registered Investment Company
FIDELITY US BOND INDEX Registered Investment Company
INVESCO DIVERS DIVIDEND R5 Registered Investment Company
VANGUARD TARGET RETIREMNT 2020 Registered Investment Company
VANGUARD TARGET RETIREMNT 2025 Registered Investment Company
VANGUARD TARGET RETIREMNT 2030 Registered Investment Company
VANGUARD TARGET RETIREMNT 2035 Registered Investment Company
VANGUARD TARGET RETIREMNT 2040 Registered Investment Company
VANGUARD TARGET RETIREMNT 2045 Registered Investment Company
VANGUARD TARGET RETIREMNT 2050 Registered Investment Company
VANGUARD TARGET RETIREMNT 2055 Registered Investment Company
VANGUARD TARGET RETIREMNT 2060 Registered Investment Company
VANGUARD TARGET RETIREMNT 2065 Registered Investment Company
VANGUARD TARGET RETIREMNT 2070 Registered Investment Company
VANGUARD TARGET RETMT INCOME Registered Investment Company
VICTORY SMALL CO OPPORTUNITY I Registered Investment Company

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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 INX INTERNATIONAL RETIREMENT SAVINGS 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%
Data as of 05/01/2026, Common starting date is 12/31/2000

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