LTA RESEARCH 401(K) PLAN Investment Options
Available Funds in LTA RESEARCH 401(K) PLAN
Below is the lineup of investment options available to participants in LTA RESEARCH 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 |
|---|
| For the Plan Year Beginning January 1, 2024, and Ending December 31, |
| American Funds 2025 Target Date Retirement |
| American Funds 2030 Target Date Retirement |
| American Funds 2035 Target Date Retirement |
| American Funds 2040 Target Date Retirement |
| American Funds 2045 Target Date Retirement |
| American Funds 2050 Target Date Retirement |
| American Funds 2055 Target Date Retirement |
| American Funds 2060 Target Date Retirement |
| American Funds 2065 Target Date Retirement |
| American Funds AM Balance R6 |
| American Funds Bond Fund of AM |
| American Funds Europacific Grow R6 |
| American Funds US Government Sec R6 |
| Charles Schwab S&P 500 Index Fund |
| Charles Schwab Bank Savings |
| Fuller & Thaler Behavioral Small-Cap Equity |
| Fuller & Thaler Behavioral Mid-Cap Equity |
| Goldman Sachs GQG PRT International Opps R6 |
| Goldman Sachs Small/Mid Cap Growth Fund |
| JP Morgan Large Cap Growth R6 |
| JP Morgan Equity Income R6 |
| Vanguard Small Cap Index Admiral |
| Vanguard Mid Cap Index Admiral |
| Cohen & Steers Realty Shares |
| GQG Partners Emerging Markets Equity Fund R |
| Janus Henderson Enterprise N |
| Neuberger Berman Genesis Investment |
| Oakmark R6 |
| Parnassus Core Equity Institutional |
| Pimco Income Institutional |
| Victory Nasdaq 100 Index Fund R6 |
| Charles Schwab Personal Choice Account |
| Denotes a party-in-interest |
| CHARLES SCHWAB GOLDMAN SACHS GQG PRT INTL R6 |
| CHARLES SCHWAB GQG PARTNERS EMERG MKTS EQT R6 |
| CHARLES SCHWAB JANUS HENDERSON ENTERPRISE N |
| CHARLES SCHWAB NEUBERGER BERMAN GENESIS INSTL |
| CHARLES SCHWAB VANGUARD SMALL CAP INDEX ADM |
| CHARLES SCHWAB FULLER & THALER BEHAV SM-CP EQ |
| CHARLES SCHWAB GOLDMAN SACHS SML/MID CAP GRWT |
| CHARLES SCHWAB VANGUARD MID CAP INDEX ADMIRAL |
| CHARLES SCHWAB FULLER & THALER BEHAV MD-CP VA |
| CHARLES SCHWAB VICTORY NASDAQ 100 INDEX R6 |
| CHARLES SCHWAB OAKMARK R6 |
| CHARLES SCHWAB JPMORGAN LARGE CAP GROWHT R6 |
| CHARLES SCHWAB JPMORGAN EQUITY INCOME R6 |
| CHARLES SCHWAB SCHWAB S&P |
| CHARLES SCHWAB PIMCO INCOME INSTL |
| CHARLES SCHWAB COHEN & STEERS INSTL REALTY SH |
| CHARLES SCHWAB AMERICAN FUNDS AM BALANCED R6 |
| CHARLES SCHWAB AMERICAN FUNDS US GOVT SEC R6 |
| CHARLES SCHWAB AMERICAN FUNDS BOND FUND OF AM |
| CHARLES SCHWAB SCHWAB BANK SAVINGS |
| CHARLES SCHWAB AMER FUNDS 2010 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2025 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2030 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2035 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2040 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2045 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2050 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2055 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2060 TARGET DATE R6 |
| CHARLES SCHWAB AMER FUNDS 2065 TARGET DATE R6 |
| CHARLES SCHWAB PARNASSUS CORE EQUITY INST |
| CHARLES SCHWAB AM FUNDS EUROPACIFIC GROW R6 |
| CHARLES SCHWAB PERSONAL CHOICE RET ACCOUNT |
| CHARLES SCHWAB LOAN FUND, 4.50%-9.50% |
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 LTA RESEARCH 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% | … | … |
Get Key Insights for This Plan
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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?
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