KORBYT 401(K) PLAN Investment Options
Available Funds in KORBYT 401(K) PLAN
Below is the lineup of investment options available to participants in KORBYT 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 |
|---|
| MFS International Diversification R6 (MDIJX) |
| PGIM QMA Stock Index Fund R6 (PDSIX) |
| Columbia Mgmt Investment Advisers, LLC Dividend Income Institutional (GSFTX) |
| Allspring Special MidCap Value Fund R6 (PVMIX) |
| J.P. Morgan Investment Management Inc Core Plus Bond Fund R6 |
| J.P. Morgan Investment Management Inc US Research Enhanced Equity Fund R6 |
| Carillon Eagle Mid Cap Growth Fund R6 (HRAYX) |
| Janus Henderson Triton Fund N (JSMGX) |
| American Funds American Balanced Fund R6 (GBLAX) |
| American Funds 2030 Target R6 (REETX) |
| American Funds 2035 Target R6 (REFTX) |
| American Funds 2025 Target R6 (REDTX) |
| J.P. Morgan Investment Management Inc Undisc. Mgrs. Behavioral Value Fund R6 |
| AB Funds Large Cap Growth Fund Z (TNRAX) |
| BlackRock High Yield Portfolio (BHYIX) |
| American Funds 2040 Target R6 (REGTX) |
| Columbia Mgmt Investment Advisers, LLC Mid Cap Index Fund Instl (ARMEX) |
| Principal Management Group Small Cap S&P 600 Index Fund Instl |
| American Funds 2010 Target R6 (REATX) |
| PIMCO Real Return Fund Inst (PRLPX) |
| American Funds 2020 Target R6 (RECTX) |
| Great Gray Trust Company, LLC Emerging Markets Fund II CL R1 (MCCGX) |
| Great Gray Trust Company, LLC Large Cap Growth Fund II Fee Class R1 (MXLGX) |
| 9.50% with various due dates -0- |
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 KORBYT 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?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
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