ISAACSON RETIREMENT PLAN Investment Options
Basic steps for ISAACSON RETIREMENT PLAN investments
- Understand Your Goals and Risk Tolerance: Consider your retirement goals, time horizon, and risk tolerance when choosing investments. Are you saving for retirement, or do you have other financial goals in mind? How comfortable are you with market fluctuations?
- Diversification: Diversification is key to managing risk in your investment portfolio. Spread your investments across different asset classes (e.g., stocks, bonds, cash equivalents) and sectors to reduce the impact of market volatility.
- Asset Allocation: Determine the appropriate mix of assets for your investment portfolio based on your goals and risk tolerance. This may involve allocating a percentage of your portfolio to stocks, bonds, and cash equivalents.
- Review Investment Options: Evaluate the investment options available within ISAACSON RETIREMENT PLAN (see below for more detailed investment options). Look for funds with low fees, consistent performance, and a track record of meeting their investment objectives.
- Consider Target-Date Funds: Target-date funds are a popular option for retirement savings because they automatically adjust the asset allocation over time based on your expected retirement date. These funds can be a convenient option for investors who prefer a hands-off approach to investing.
- Monitor and Rebalance: Periodically review your investment portfolio and make adjustments as needed. Rebalance your portfolio to maintain your desired asset allocation and ensure it remains aligned with your goals and risk tolerance.
- Seek Professional Advice: If you’re unsure about which investments to choose or how to allocate your assets, consider seeking advice from a financial advisor. They can help you develop an investment strategy tailored to your individual needs and circumstances.
By following these steps, you can set up a 401(k) plan and choose investments that align with your long-term financial goals and objectives. Remember that investing involves risk, and it’s important to carefully consider your options and seek professional advice if needed.
Investment Options
ISAACSON RETIREMENT PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
Total Available Funds: 54
| Investment Description |
|---|
| PUTNAM STABLE VALUE FUND |
| EMPOWER SDBA |
| EMPOWER SDBA ROTH |
| AMERICAN FUNDS AMERICAN MUTUAL R6 |
| AMERICAN FUNDS CAPITAL WORLD BOND R6 |
| AMERICAN FUNDS GROWTH FUND OF AMERICAN R6 |
| CALVERT BOND A |
| CALVERT SMALL CAP I |
| CLEARBRIDGE SMALL CAP GROWTH I |
| DELAWARE EMERGING MARKETS INSTL |
| DELAWARE IVY HIGH INCOME R6 |
| DIAMOND HILL SMALL CAP Y |
| FIDELITY 500 INDEX |
| FIDELITY ADVISOR FREEDOM 2010 I |
| FIDELITY ADVISOR FREEDOM 2015 I |
| FIDELITY ADVISOR FREEDOM 2020 I |
| FIDELITY ADVISOR FREEDOM 2025 I |
| FIDELITY ADVISOR FREEDOM 2030 I |
| FIDELITY ADVISOR FREEDOM 2035 I |
| FIDELITY ADVISOR FREEDOM 2040 I |
| FIDELITY ADVISOR FREEDOM 2045 I |
| FIDELITY ADVISOR FREEDOM 2050 I |
| FIDELITY ADVISOR FREEDOM 2055 I |
| FIDELITY ADVISOR FREEDOM INC I |
| FIDELITY ADVISOR MID CAP II I |
| FIDELITY EXTENDED MARKET INDEX |
| FIDELITY SMALL CAP INDEX |
| FIDELITY TOTAL INTERNATIONAL INDEX |
| FIDELITY US BOND INDEX |
| INVESCO GLOBAL Y |
| JPMORGAN MID CAP VALUE L |
| JPMORGAN SMALL CAP EQUITY R5 |
| MEEDER BALANCED |
| MEEDER CONSERVATIVE ALLOCATION |
| MEEDER DYNAMIC ALLOCATION |
| MEEDER GLOBAL ALLOCATION |
| MEEDER MODERATE ALLOCATION |
| MEEDER MUIRFIELD |
| MEEDER QUANTEX |
| MEEDER SPECTRUM |
| MEEDER TACTICAL INCOME RETAIL |
| METROPOLITAN WEST TOTAL RETURN BOND PLAN |
| MFS GROWTH R4 |
| MFS INTERNATIONAL GROWTH R6 |
| MFS VALUE R4 |
| NEUBERGER BERMAN GENESIS INSTL |
| PARNASSUS EQUITY INCOME - INV |
| PARNASSUS MID- CAP |
| PARNASSUS VALUE EQUITY INVESTOR |
| PGIM UNITED STATES REAL ESTATE R6 |
| PIMCO INCOME INSTL |
| PIMCO REAL RETURN INSTL |
| VANGUARD DIVIDEND GROWTH INV |
| VANGUARD INTERNATIONAL VALUE PORTFOLIO |
How to invest
Key principles in retirement investing:
- Proper asset allocation among stocks and bonds, the two major assets. Proper assess your risk tolerance level based on your age, financial situation, personal emotional level to tolerate up and down, and retirement expectation.
- Invest in (ultra) low cost index funds if possible. Don’t get caught up with flashy funds.
- Invest for a long term: financial markets are up and down and investment values are subject to fluctuation. However, viewed as business investments, you can be assured that diversified funds (stocks and bonds) have solid business fundamental that eventually will deliver inflation beating returns for stocks.
See Four-Step Guide for 401(k) Retirement Investing.
Basic asset allocation templates
The following asset allocation templates are based on popular lazy portfolios. These are core or major asset class-based portfolios using ultra-low-cost index funds for each asset class. Once you have decided on your proper risk asset (stocks) allocation, you can utilize these lazy portfolio templates to scale the allocations to your risk allocation level. See Asset Allocation Portfolio Templates for a guide:
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 4.17% | 8.09% | 10.09% | 7.09% | 6.63% | 7.49% | 6.76% | 6.57% |
| Five Core Asset Portfolio | 3.90% | 7.93% | 9.86% | 6.96% | 6.57% | 7.38% | 6.83% | 6.76% |
| Three Core Asset Portfolio | 4.21% | 8.14% | 10.92% | 7.66% | 7.01% | 7.80% | 6.91% | 6.51% |
| Two Core Asset Portfolio | 2.12% | 7.70% | 11.91% | 8.27% | 8.04% | 9.01% | 7.58% | 7.00% |
| Yale Endowment Template | 4.75% | 8.80% | 9.77% | 7.08% | 7.15% | 8.32% | 7.50% | 7.85% |
| S&P 500 Index | 3.16% | 11.55% | 19.69% | 15.75% | 13.04% | 13.92% | 10.37% | 8.61% |
Data as of 06/16/2025, AR inception is 12/31/2000
Recent Articles
- Public Pay Might Be Higher Than You Think (Once You Do the Math)
- Why Managing Volatility Matters
- Stock Compensation 101: How People Build Wealth (or Blow It)
- Retirement Plan Contribution Limits in 2024
- How to Take Advantage of Your ESPP (Employer Stock Purchase Plan)
- June 2025 MyPlanIQ Portfolio Update
- How to Benefit from Your ESPP (Employer Stock Purchase Plan)
- Simple 401(k) Investment Guide
- Why Actively Managed Bond Funds Outperform Index Funds More Often Than Stocks
Free newsletters
High quality resources for 401k, 403b, 529 retirement plans on investment, contribution, fees, retirement planning and much more ...
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)
Quickly enter fund allocation and get a back test result on the performance of this 'lazy' portfolio.
Customize Asset Allocation Portfolios
Build a custom model portfolio using our asset strategic or tactical strategies, tailored to a 401(k) plan or for a brokerage account.
Retirement Calculator
See how much you can save for retirement.
Investment Calculator
Grow your wealth and see the power of compounding.
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 ...