LOFT ORBITAL SOLUTIONS 401(K) PLAN Investment Options
Available Funds in LOFT ORBITAL SOLUTIONS 401(K) PLAN
Below is the lineup of investment options available to participants in LOFT ORBITAL SOLUTIONS 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 |
|---|
| (Held at End of Year) EIN: 81-5383666 PN: |
| iShares iShares MSCI ACWI Low Carbon Target ETF |
| iShares iShares ESG Aware U.S. Aggregate Bond ETF |
| SPDR SPDR MSCI Emerging Markets Fossil Fuel Free ETF |
| SPDR SPDR MSCI EAFE Fossil Fuel Free ETF |
| iShares iShares Emerging Markets USD Bond ETF |
| iShares iShares ESG Aware MSCI EAFE ETF |
| iShares iShares ESG Aware MSCI EM ETF |
| iShares iShares ESG Aware MSCI USA ETF |
| iShares iShares ESG Aware MSCI USA Small-Cap ETF |
| Goldman Sachs TreasuryAccess 01 Year ETF |
| Goldman Sachs Access U.S. Aggregate Bond ETF |
| Goldman Sachs ActiveBeta Emerging Markets Equity |
| Goldman Sachs Access Emerging Markets USD Bond ETF |
| Goldman Sachs Access Investment Grade Corporate Bond ETF |
| Goldman Sachs ActiveBeta Europe Equity ETF |
| Goldman Sachs ActiveBeta International Equity |
| Goldman Sachs ActiveBeta Japan Equity ETF |
| Goldman Sachs ActiveBeta US Large Cap Equity |
| Goldman Sachs ActiveBeta US Small Cap Equity ETF |
| Xtrackers Xtrackers USD High Yield Corporate Bond |
| JPMorgan Ultra-Short Income |
| SPDR SPDR S&P Kensho New Economies Composite ETF |
| iShares iShares National AMT-Free Muni Bond ETF |
| Invesco QQQ Trust |
| Schwab Schwab U.S. REIT ETF |
| SPDR SPDR Portfolio S&P 500 ETF |
| SPDR SPDR Portfolio S&P 400 Mid Cap |
| SPDR SPDR Portfolio S&P 600 Small Cap ETF |
| SPDR SPDR S&P 500 Fossil Fuel Reserves Free ETF |
| iShares iShares 0-5 Year TIPS Bond ETF |
| iShares iShares ESG Aware USD Corporate Bond ETF |
| Vanguard Small-Cap Value ETF |
| Vanguard FTSE Developed Markets |
| Vanguard LongTerm Government Bond |
| Vanguard Dividend Appreciation ETF |
| Vanguard Mid-Cap Value ETF |
| TCW TCW Transform 500 ETF |
| Vanguard Short-Term Inflation-Protected Securities ETF |
| Vanguard Value ETF |
| Vanguard U.S. Large-cap Growth Equity ETF |
| Vanguard FTSE Emerging Markets |
| (interest rate of 9.50%, 12/28/2028 maturity date) |
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 LOFT ORBITAL SOLUTIONS 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
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