LABORATORY CORPORATION OF AMERICA HOLDINGS 401(K) SAVINGS PLAN Investment Options

Basic steps for LABORATORY CORPORATION OF AMERICA HOLDINGS 401(K) SAVINGS PLAN investments

  1. 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?
  2. 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.
  3. 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.
  4. Review Investment Options: Evaluate the investment options available within LABORATORY CORPORATION OF AMERICA HOLDINGS 401(K) SAVINGS 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.
  5. 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.
  6. 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.
  7. 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

LABORATORY CORPORATION OF AMERICA HOLDINGS 401(K) SAVINGS PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):

Total Available Funds: 26
Asset Class Ticker Description
US EQUITY
LARGE VALUE ANDAX ALLNZ NFJ DIV VAL AD
Mid-Cap Growth ACRNX COLUMBIA ACORN Z
LARGE GROWTH FCNTX FID CONTRAFUND
SMALL BLEND KSCIX KEELEY SMALL CAP VAL
MID-CAP VALUE JMVAX PERKINS MID CP VAL I
Small Growth PSCZX Prudential Jennison Small Company Z
Mid-Cap Growth TMDIX TIMESSQ MID CP GTH I
LARGE BLEND VINIX VANGUARD INST INDEX5
SMALL VALUE SSGSX VICTORY SM CO OPP A
INTERNATIONAL EQUITY
Foreign Large Blend FIGRX FID INTL DISCOVERY
Foreign Large Growth TIVRX THORNBURG INT VAL R5
Others
Money Market-Taxable FRTXX FID RETIRE MMKT
Target Date 2000-2010 TRRFX TRP RETIREMENT 2005
Target Date 2000-2010 TRRAX TRP RETIREMENT 2010
Target Date 2011-2015 TRRGX TRP RETIREMENT 2015
Target Date 2016-2020 TRRBX TRP RETIREMENT 2020
Target Date 2021-2025 TRRHX TRP RETIREMENT 2025
Target Date 2026-2030 TRRCX TRP RETIREMENT 2030
Target Date 2031-2035 TRRJX TRP RETIREMENT 2035
Target Date 2036-2040 TRRDX TRP RETIREMENT 2040
Target Date 2041-2045 TRRKX TRP RETIREMENT 2045
Target Date 2046-2050 TRRMX TRP RETIREMENT 2050
Target Date 2051+ TRRNX TRP RETIREMENT 2055
Retirement Income TRRIX TRP RETIREMENT INCOME
FIXED INCOME
Intermediate-Term Bond PTTRX PIM TOTAL RT INST5
Intermediate-Term Bond VBMFX Vanguard Total Bond Market Index

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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.

Click to view the investment model portfolios of this plan ►

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:

The return data shown below all have the same latest date: 05/08/2025.
Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Inception
Four Core Asset Portfolio 0.28% 6.72% 7.08% 7.48% 6.09% 7.11% 6.67% 6.40%
Five Core Asset Portfolio 0.04% 6.68% 6.93% 7.34% 6.01% 7.00% 6.75% 6.59%
Three Core Asset Portfolio 0.07% 6.63% 7.82% 7.93% 6.46% 7.39% 6.80% 6.33%
Two Core Asset Portfolio -2.07% 6.91% 8.36% 8.41% 7.54% 8.58% 7.50% 6.82%
Yale Endowment Template 0.70% 7.66% 6.52% 7.36% 6.51% 7.93% 7.45% 7.67%
S&P 500 Index -3.34% 10.51% 13.95% 15.79% 12.23% 13.15% 10.17% 8.32%

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