MASSACHUSETTS LABORERS’ ANNUITY FUND Investment Options
Available Funds in MASSACHUSETTS LABORERS’ ANNUITY FUND
Below is the lineup of investment options available to participants in MASSACHUSETTS LABORERS’ ANNUITY FUND. 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.
Total Available Funds: 445
| Investment Option List |
|---|
| US TREASURY N/B 4.13% 10/31/2029 2,500,000 |
| FED HM LN PC POOL C91339 4.00% 10/01/2030 28,485 |
| FNMA POOL AB1763 4.00% 11/01/2030 22,278 |
| FNMA POOL MA0634 4.50% 01/01/2031 4,577 |
| FNMA POOL AI8900 4.50% 09/01/2031 24,234 |
| FED HM LN PC POOL C91402 4.00% 10/01/2031 37,301 |
| FHLMC STRUCTURED PASS THROUGH 4.69% 07/25/2032 31,928 |
| ILLINOIS ST ILS 5.10% 06/01/2033 588,235 |
| FNMA POOL BM4804 4.00% 11/01/2033 398,532 |
| FNMA POOL AL4577 4.50% 01/01/2034 40,145 |
| FNMA POOL MA1858 4.00% 04/01/2034 89,295 |
| US TREASURY N/B 4.38% 05/15/2034 996,000 |
| GSMPS MORTGAGE LOAN TRUST 8.00% 06/25/2034 156,174 |
| FNMA POOL MA2055 4.00% 10/01/2034 57,994 |
| FED HM LN PC POOL G01749 5.50% 01/01/2035 34,498 |
| FREDDIE MAC REFERENCE REMIC 6.00% 07/15/2036 23,566 |
| REPUBLIC OF COLOMBIA 5.20% 11/07/2036 300,000 |
| FED HM LN PC POOL 1G1910 6.82% 04/01/2037 51,632 |
| FNMA POOL MA2962 3.50% 04/01/2037 66,278 |
| FED HM LN PC POOL H01774 6.50% 09/01/2037 3,988 |
| FNMA POOL AE0287 5.50% 02/01/2038 34,751 |
| FED HM LN PC POOL H09197 6.50% 10/01/2038 17,686 |
| CALIFORNIA ST 7.30% 10/01/2039 600,000 |
| NEW JERSEY ST TURNPIKE AUTH TU NJSTRN 7.10% 01/01/2041 350,000 |
| FANNIEMAE GRANTOR TRUST 7.50% 02/25/2041 125,791 |
| FED HM LN PC POOL G06447 4.50% 05/01/2041 67,023 |
| FREDDIE MAC 3.00% 07/25/2041 323,289 |
| FED HM LN PC POOL Q03086 4.50% 09/01/2041 8,905 |
| FED HM LN PC POOL QK1220 2.00% 12/01/2041 444,538 |
| FNMA POOL AO4105 6.59% 06/01/2042 8,876 |
| FNMA POOL AL5749 4.50% 07/01/2042 53,897 |
| FED HM LN PC POOL G60764 4.50% 10/01/2042 71,380 |
| FNMA POOL BM1357 4.50% 01/01/2043 99,877 |
| FNMA POOL AT5844 7.04% 05/01/2043 9,878 |
| FHLMC STRUCTURED PASS THROUGH 6.50% 09/25/2043 164,722 |
| FED HM LN PC POOL G07612 4.50% 12/01/2043 17,141 |
| FED HM LN PC POOL 2B1967 6.45% 12/01/2043 26,108 |
| FREDDIE MAC 4.50% 12/15/2043 37,162 |
| FNMA POOL AL4980 5.96% 02/01/2044 14,209 |
| US TREASURY N/B 4.50% 02/15/2044 1,235,000 |
| FED HM LN PC POOL G07686 4.50% 03/01/2044 31,817 |
| FED HM LN PC POOL 849278 6.09% 04/01/2044 18,102 |
| FNMA POOL AL7730 6.69% 04/01/2044 8,027 |
| FED HM LN PC POOL 2B2558 7.01% 05/01/2044 2,100 |
| FNMA POOL BM1135 4.50% 07/01/2044 69,926 |
| FED HM LN PC POOL 849536 6.98% 11/01/2044 44,294 |
| US TREASURY N/B 4.63% 11/15/2044 1,700,000 |
| FED HM LN PC POOL 849625 6.90% 01/01/2045 21,316 |
| FED HM LN PC POOL G60034 4.50% 02/01/2045 25,021 |
| FNMA POOL AL7147 4.50% 02/01/2045 21,878 |
| REPUBLIC OF COLOMBIA 5.00% 06/15/2045 200,000 |
| FNMA POOL AL8816 4.50% 09/01/2045 60,949 |
| FNMA POOL AL7899 6.45% 01/01/2046 25,511 |
| FNMA POOL AX5655 6.75% 01/01/2046 11,919 |
| FED HM LN PC POOL 840286 6.97% 05/01/2046 24,017 |
| FNMA POOL AL8489 5.68% 05/01/2046 34,540 |
| FED HM LN PC POOL V83115 4.50% 03/01/2047 24,874 |
| FANNIEMAE WHOLE LOAN FNW 6.23% 08/25/2047 41,724 |
| FNMA POOL BM4873 3.08% 10/01/2048 112,138 |
| FNMA POOL BM5704 5.00% 12/01/2048 36,979 |
| FNMA POOL BM5402 3.51% 01/01/2049 44,706 |
| FNMA POOL MA3617 5.00% 03/01/2049 42,418 |
| REPUBLIC OF COLOMBIA 7.75% 05/15/2049 250,000 |
| US TREASURY N/B 2.38% 11/15/2049 1,050,000 |
| FNMA POOL BM6222 6.90% 12/01/2049 117,484 |
| FREDDIE MAC 2.50% 04/25/2050 631,920 |
| US TREASURY N/B 1.25% 05/15/2050 1,700,000 |
| FED HM LN PC POOL RA3020 2.50% 07/01/2050 2,204,968 |
| FED HM LN PC POOL RA3202 2.50% 07/01/2050 1,358,028 |
| FNMA POOL CA6320 2.50% 07/01/2050 1,002,038 |
| FNMA POOL CA6401 2.50% 07/01/2050 557,945 |
| US TREASURY N/B 1.38% 08/15/2050 1,585,000 |
| FED HM LN PC POOL SD7530 2.50% 11/01/2050 2,307,651 |
| FNMA POOL FM7599 3.50% 01/01/2051 993,153 |
| FED HM LN PC POOL SD8140 2.00% 04/01/2051 775,701 |
| FED HM LN PC POOL SI2106 2.50% 05/01/2051 733,632 |
| FED HM LN PC POOL SD8202 3.50% 03/01/2052 1,442,795 |
| FNMA POOL FS0980 3.00% 03/01/2052 327,368 |
| FED HM LN PC POOL QE0768 3.50% 04/01/2052 315,341 |
| FED HM LN PC POOL RA7194 3.50% 04/01/2052 1,505,369 |
| FNMA POOL CB3332 3.50% 04/01/2052 1,341,421 |
| FNMA POOL CB3333 3.50% 04/01/2052 1,467,393 |
| FNMA POOL MA4580 3.50% 04/01/2052 1,759,786 |
| FED HM LN PC POOL SD8214 3.50% 05/01/2052 3,781,005 |
| FED HM LN PC POOL QE2001 3.50% 05/01/2052 259,508 |
| FNMA POOL BV5583 FN 05/52 FIXED 4 4.00% 05/01/2052 1,572,643 |
| FNMA POOL MA4600 3.50% 05/01/2052 815,645 |
| FED HM LN PC POOL SD1933 3.50% 06/01/2052 320,857 |
| FED HM LN PC POOL SD8221 3.50% 06/01/2052 6,548,546 |
| FED HM LN PC POOL QE3344 3.50% 06/01/2052 280,788 |
| FNMA POOL MA4625 3.50% 06/01/2052 721,684 |
| FNMA POOL MA4654 3.50% 07/01/2052 821,762 |
| FNMA POOL CB4361 3.50% 08/01/2052 376,872 |
| FNMA POOL MA4700 4.00% 08/01/2052 253,101 |
| US TREASURY N/B 3.00% 08/15/2052 414,000 |
| FED HM LN PC POOL SD1581 2.50% 09/01/2052 1,708,122 |
| FED HM LN PC POOL SD8244 4.00% 09/01/2052 3,034,415 |
| FED HM LN PC POOL 841500 4.11% 10/01/2052 456,698 |
| FED HM LN PC POOL SD8256 4.00% 10/01/2052 736,626 |
| FNMA POOL BM7091 3.95% 10/01/2052 209,259 |
| FED HM LN PC POOL SD8266 4.50% 11/01/2052 594,551 |
| TSY INFL IX N/B 1.50% 02/15/2053 392,899 |
| FNMA POOL FS7754 4.00% 07/01/2053 581,388 |
| FED HM LN PC POOL SD4518 3.50% 08/01/2053 6,088,872 |
| FNMA POOL FS6596 3.50% 10/01/2053 6,100,354 |
| US TREASURY N/B 4.25% 02/15/2054 3,264,000 |
| TSY INFL IX N/B 2.13% 02/15/2054 281,812 |
| GOVERNMENT NATIONAL MORTGAGE A GNR 4.83% 11/20/2066 178,360 |
| GOVERNMENT NATIONAL MORTGAGE A GNR 5.98% 01/20/2068 282,446 |
| GOVERNMENT NATIONAL MORTGAGE A GNR 5.59% 02/20/2068 346,371 |
| GOVERNMENT NATIONAL MORTGAGE A GNR 5.79% 04/20/2068 215,006 |
| GOVERNMENT NATIONAL MORTGAGE A GNR 5.37% 01/20/2070 816,378 |
| GOVERNMENT NATIONAL MORTGAGE A GNR 5.42% 01/20/2070 777,451 |
| GOVERNMENT NATIONAL MORTGAGE A GNR 5.42% 12/20/2071 466,638 |
| GOVERNMENT NATIONAL MORTGAGE A GNR 5.27% 04/20/2072 309,732 |
| GOVERNMENT NATIONAL MORTGAGE A GNR 5.45% 01/20/2073 278,161 |
| ELEVANCE HEALTH INC 4.75% 02/15/2030 175,000 |
| JP MORGAN CHASE+CO 2.50% 04/22/2031 1,050,000 |
| FORD MOTOR CREDIT CO LLC 4.13% 08/04/2025 200,000 |
| AMERICAN ELECTRIC POWER 5.70% 08/15/2025 200,000 |
| NEXTERA ENERGY CAPITAL 5.75% 09/01/2025 50,000 |
| CAPITAL ONE FINANCIAL CO 4.20% 10/29/2025 260,000 |
| SMALL BUSINESS ADMINISTRATION 5.36% 11/01/2025 6,127 |
| CAPITAL ONE FINANCIAL CO 2.64% 03/03/2026 75,000 |
| LLOYDS BANKING GROUP PLC 4.65% 03/24/2026 600,000 |
| DELL INT LLC / EMC CORP 6.02% 06/15/2026 38,000 |
| FORD MOTOR CREDIT CO LLC 4.54% 08/01/2026 250,000 |
| VMWARE LLC 1.40% 08/15/2026 150,000 |
| COX COMMUNICATIONS INC 3.35% 09/15/2026 400,000 |
| RIO OIL FINANCE TRUST 9.75% 01/06/2027 125,124 |
| BNP PARIBAS 4.63% 03/13/2027 750,000 |
| CIGNA GROUP/THE 7.88% 05/15/2027 302,000 |
| FORD MOTOR CREDIT CO LLC 4.95% 05/28/2027 325,000 |
| NATWEST GROUP PLC 1.64% 06/14/2027 200,000 |
| NEXTERA ENERGY CAPITAL 4.63% 07/15/2027 125,000 |
| WELLS FARGO + COMPANY 4.30% 07/22/2027 250,000 |
| IMPERIAL BRANDS FIN PLC 6.13% 07/27/2027 200,000 |
| SOUTHERN CO 5.11% 08/01/2027 150,000 |
| COX COMMUNICATIONS INC 3.50% 08/15/2027 75,000 |
| FORD MOTOR CREDIT CO LLC 7.35% 11/04/2027 700,000 |
| BANK OF AMERICA CORP 4.18% 11/25/2027 125,000 |
| BNP PARIBAS 2.59% 01/20/2028 900,000 |
| GOLDMAN SACHS GROUP INC 3.62% 03/15/2028 825,000 |
| RIO OIL FINANCE TRUST 8.20% 04/06/2028 218,680 |
| CAPITAL ONE FINANCIAL CO 4.93% 05/10/2028 75,000 |
| NEXTERA ENERGY CAPITAL 1.90% 06/15/2028 350,000 |
| SOUTHERN CO 4.85% 06/15/2028 75,000 |
| ELANCO ANIMAL HEALTH INC 6.65% 08/28/2028 250,000 |
| BANK OF AMERICA CORP 6.20% 11/10/2028 50,000 |
| BOSTON PROPERTIES LP 4.50% 12/01/2028 175,000 |
| BAYER US FINANCE II LLC 4.38% 12/15/2028 450,000 |
| PHILIP MORRIS INTL INC 4.88% 02/13/2029 75,000 |
| NEXTERA ENERGY CAPITAL 4.90% 03/15/2029 275,000 |
| NISSAN AUTO RECEIVABLES OWNER 4.34% 03/15/2029 321,000 |
| HONDA AUTO RECEIVABLES OWNER T 4.57% 03/21/2029 316,000 |
| FORD CREDIT AUTO OWNER TRUST 5.10% 04/15/2029 308,000 |
| HYUNDAI AUTO RECEIVABLES TRUST 4.41% 05/15/2029 328,000 |
| CHARLES SCHWAB CORP 5.64% 05/19/2029 50,000 |
| IMPERIAL BRANDS FIN PLC 3.88% 07/26/2029 1,525,000 |
| BARCLAYS PLC 6.49% 09/13/2029 200,000 |
| NATWEST GROUP PLC 5.81% 09/13/2029 275,000 |
| PHILIP MORRIS INTL INC 5.63% 11/17/2029 30,000 |
| CHARLES SCHWAB CORP 6.20% 11/17/2029 400,000 |
| CEMEX SAB DE CV 5.45% 11/19/2029 300,000 (CEMEX) |
| BOSTON PROPERTIES LP 2.90% 03/15/2030 1,000,000 |
| DOMINION ENERGY INC 3.38% 04/01/2030 325,000 |
| T MOBILE USA INC 3.88% 04/15/2030 950,000 |
| BARCLAYS PLC 5.09% 06/20/2030 825,000 |
| BAT CAPITAL CORP 6.34% 08/02/2030 50,000 |
| JPMORGAN CHASE + CO 8.75% 09/01/2030 225,000 |
| BANK OF AMERICA CORP 2.50% 02/13/2031 175,000 |
| PHILIP MORRIS INTL INC 5.13% 02/13/2031 50,000 |
| T MOBILE USA INC 2.55% 02/15/2031 75,000 |
| RTX CORP 6.00% 03/15/2031 50,000 |
| BAT CAPITAL CORP 2.73% 03/25/2031 100,000 |
| CITIGROUP INC 4.41% 03/31/2031 75,000 |
| JPMORGAN CHASE + CO 2.96% 05/13/2031 300,000 |
| AT+T INC 2.75% 06/01/2031 125,000 |
| PROSUS NV 3.06% 07/13/2031 275,000 |
| PROSUS NV 4.19% 01/19/2032 1,050,000 |
| PETROLEOS MEXICANOS 6.70% 02/16/2032 1,128,000 |
| HCA INC 3.63% 03/15/2032 200,000 |
| BAT CAPITAL CORP 4.74% 03/16/2032 135,000 |
| CCO HLDGS LLC/CAP CORP 4.50% 05/01/2032 75,000 |
| ENEL FINANCE INTL NV 5.00% 06/15/2032 300,000 |
| SOUTHERN CO 5.70% 10/15/2032 350,000 |
| BANK OF AMERICA CORP 2.57% 10/20/2032 150,000 |
| PHILIP MORRIS INTL INC 5.75% 11/17/2032 35,000 |
| GE HEALTHCARE TECH INC 5.91% 11/22/2032 226,000 |
| KINDER MORGAN INC 4.80% 02/01/2033 250,000 |
| PHILIP MORRIS INTL INC 5.38% 02/15/2033 200,000 |
| WELLS FARGO + COMPANY 3.35% 03/02/2033 425,000 |
| CITIGROUP INC 3.79% 03/17/2033 125,000 |
| CHARTER COMM OPT LLC/CAP 4.40% 04/01/2033 25,000 |
| CCO HLDGS LLC/CAP CORP 4.50% 06/01/2033 600,000 |
| COX COMMUNICATIONS INC 5.70% 06/15/2033 400,000 |
| UBS GROUP AG 6.54% 08/12/2033 550,000 |
| HSBC HOLDINGS PLC 8.11% 11/03/2033 200,000 |
| LLOYDS BANKING GROUP PLC 7.95% 11/15/2033 500,000 |
| BAYER US FINANCE LLC 6.50% 11/21/2033 350,000 |
| AT+T INC 2.55% 12/01/2033 250,000 |
| UBS GROUP AG 5.96% 01/12/2034 325,000 |
| BOSTON PROPERTIES LP 6.50% 01/15/2034 11,000 |
| CCO HLDGS LLC/CAP CORP 4.25% 01/15/2034 75,000 |
| NATWEST GROUP PLC 6.02% 03/02/2034 275,000 |
| UNICREDIT SPA 7.30% 04/02/2034 250,000 |
| WELLS FARGO + COMPANY 5.39% 04/24/2034 625,000 |
| CITIGROUP INC 6.17% 05/25/2034 350,000 |
| CAPITAL ONE FINANCIAL CO 6.38% 06/08/2034 442,000 |
| CHARLES SCHWAB CORP 6.14% 08/24/2034 125,000 |
| HSBC HOLDINGS PLC 7.40% 11/13/2034 875,000 |
| UNICREDIT SPA 5.46% 06/30/2035 650,000 |
| NATWEST GROUP PLC 3.03% 11/28/2035 200,000 |
| HSBC HOLDINGS PLC 6.50% 05/02/2036 275,000 |
| SMB PRIVATE EDUCATION LOAN TRU 3.60% 01/15/2037 53,045 |
| BANK OF AMERICA CORP 3.85% 03/08/2037 900,000 |
| CVS HEALTH CORP 4.78% 03/25/2038 225,000 |
| FIBERCOP SPA 7.72% 06/04/2038 240,000 |
| TIME WARNER CABLE LLC 7.30% 07/01/2038 175,000 |
| CVS HEALTH CORP 4.13% 04/01/2040 54,000 |
| T MOBILE USA INC 4.38% 04/15/2040 75,000 |
| SLM STUDENT LOAN TRUST 5.43% 01/25/2045 206,793 |
| KINDER MORGAN INC 5.05% 02/15/2046 125,000 |
| CHARTER COMM OPT LLC/CAP 5.75% 04/01/2048 1,525,000 |
| PETROLEOS MEXICANOS 7.69% 01/23/2050 1,925,000 |
| SOUTHERN CO 4.00% 01/15/2051 400,000 |
| SOUTHERN CO 3.75% 09/15/2051 450,000 |
| PROSUS NV 4.99% 01/19/2052 525,000 |
| SMB PRIVATE EDUCATION LOAN TRU 1.07% 01/15/2053 127,942 |
| CVS HEALTH CORP 7.00% 03/10/2055 300,000 |
| SMB PRIVATE EDUCATION LOAN TRU 5.24% 03/15/2056 775,490 |
| SMB PRIVATE EDUCATION LOAN TRU 4.99% 10/16/2056 142,644 |
| SLM STUDENT LOAN TRUST 6.00% 10/25/2064 453,678 |
| NAVIENT STUDENT LOAN TRUST 5.73% 12/27/2066 485,382 |
| NAVIENT STUDENT LOAN TRUST 5.43% 03/25/2067 686,266 |
| NELNET STUDENT LOAN TRUST 5.43% 04/25/2067 2,447,534 |
| NAVIENT STUDENT LOAN TRUST 5.51% 07/25/2068 440,761 |
| VODAFONE GROUP PLC 7.00% 04/04/2079 250,000 |
| VODAFONE GROUP PLC 4.13% 06/04/2081 225,000 |
| DEBT INSTRUMENTS – OTHER – |
| ABM INDUSTRIES INC 11,500 |
| ACADIAN REALTY TRUST 25,521 |
| ACI WORLDWIDE INC 4,540 |
| ADIENT PLC 23,070 |
| ADT INC 76,972 |
| ADVANSIX INC 17,494 |
| AEGON LTD 44,600 |
| AIR PRODUCTS + CHEMICALS INC 2,400 |
| ALIBABA GROUP HOLDING LTD 162,692 |
| ALNYLAM PHARMACEUTICALS INC 1,100 |
| ALPHABET INC CL A 4,600 |
| ALPHABET INC CL A 19,089 |
| ALPHABET INC CL C 4,700 |
| AMAZON.COM INC 5,400 |
| AMERICAN ELECTRIC POWER 3,500 |
| AMERICAN EXPRESS CO 11,603 |
| AMKOR TECHNOLOGY INC 15,661 |
| AMN HEALTHCARE SERVICES INC 5,733 |
| ANHEUSER BUSCH INBEV SPN ADR 14,300 |
| AON PLC CLASS A 2,846 |
| ARCBEST CORP 5,200 |
| ASSOCIATED BANC CORP 25,850 |
| AUTONATION INC 3,310 |
| AVANTOR INC 32,000 |
| AVIENT CORP 11,070 |
| BAE SYSTEMS PLC 94,997 |
| BAKER HUGHES CO 16,000 |
| BANK OF AMERICA CORP 10,700 |
| BANK OF MARIN BANCORP/CA 10,044 |
| BANK OF NEW YORK MELLON CORP 15,300 |
| BANK OF NEW YORK MELLON CORP 41,908 |
| BANKUNITED INC 15,782 |
| BAXTER INTERNATIONAL INC 16,500 |
| BELDEN INC 2,209 |
| BERKSHIRE HATHAWAY INC CL B 6,547 |
| BERKSHIRE HILLS BANCORP INC 16,920 |
| BIOMARIN PHARMACEUTICAL INC 4,700 |
| BLUE BIRD CORP 13,185 |
| BOOKING HOLDINGS INC 190 |
| BORGWARNER INC 16,220 |
| BRIGHTHOUSE FINANCIAL INC 2,400 |
| BRIGHTVIEW HOLDINGS INC 35,510 |
| BRISTOL MYERS SQUIBB CO 5,500 |
| BROADSTONE NET LEASE INC 21,970 |
| BUILD A BEAR WORKSHOP INC 13,740 |
| CACTUS INC A 9,430 |
| CALIX INC 10,376 (CALIX) |
| CAPITAL ONE FINANCIAL CORP 5,900 |
| CARRIER GLOBAL CORP 5,000 |
| CARTER BANKSHARES INC 3,646 |
| CELANESE CORP 4,600 |
| CHARTER COMMUNICATIONS INC A 3,600 |
| CIE FINANCIERE RICHEMO A REG 11,062 |
| CISCO SYSTEMS INC 8,700 |
| CITIGROUP INC 29,506 |
| COGNIZANT TECH SOLUTIONS A 7,000 |
| COHERENT CORP 4,000 |
| COMCAST CORP CLASS A 24,700 |
| COMERICA INC 5,920 |
| COMPASS GROUP PLC 90,104 |
| CONOCOPHILLIPS 4,000 |
| COPT DEFENSE PROPERTIES 20,490 |
| CRITEO SA SPON ADR 12,314 |
| CVS HEALTH CORP 22,300 |
| DAIMLER TRUCK HOLDING AG 20,092 |
| DANONE 47,038 |
| DIAGEO PLC 35,394 |
| DINE BRANDS GLOBAL INC 6,429 |
| DOMINION ENERGY INC 7,900 |
| ECOVYST INC 73,210 |
| ELANCO ANIMAL HEALTH INC 27,000 |
| ELEMENT SOLUTIONS INC 13,233 |
| ELEVANCE HEALTH INC 7,494 |
| EXTREME NETWORKS INC 33,289 |
| FEDERATED HERMES INC 14,019 (HIEIX) |
| FEDEX CORP 4,500 (FEDEX) |
| FIDELITY NATIONAL INFO SERV 11,000 |
| FIRST BANCORP PUERTO RICO 29,420 |
| FIRST BANCORP/NC 12,876 |
| FIRST HAWAIIAN INC 18,630 |
| FIRST INDUSTRIAL REALTY TR 8,525 |
| FISERV INC 10,500 |
| FLUOR CORP 8,820 |
| FORMFACTOR INC 13,532 |
| FORTIVE CORP 3,000 |
| FOX CORP CLASS A 7,600 |
| FOX CORP CLASS B 4,000 |
| FRANKLIN COVEY CO 11,320 |
| GAMING AND LEISURE PROPERTIE 4,900 |
| GAP INC/THE 10,500 |
| GATES INDUSTRIAL CORP PLC 23,570 |
| GE HEALTHCARE TECHNOLOGY 5,100 |
| GENERAL ELECTRIC 5,100 |
| GENESCO INC 15,403 |
| GILEAD SCIENCES INC 11,600 |
| GOLDMAN SACHS GROUP INC 1,300 |
| GREAT LAKES DREDGE + DOCK CO 48,571 |
| GRID DYNAMICS HOLDINGS INC 25,990 |
| GROUP 1 AUTOMOTIVE INC 1,745 |
| GROUPE BRUXELLES LAMBERT NV 10,110 |
| GSK PLC SPON ADR 24,000 |
| HALEON PLC ADR 62,000 |
| HANESBRANDS INC 82,100 |
| HARBORONE BANCORP INC 9,555 |
| HARMONIC INC 36,886 |
| HAYWARD HOLDINGS INC 32,379 |
| HEIDELBERG MATERIALS AG 30,459 |
| HEINEKEN NV 17,862 |
| HERITAGE FINANCIAL CORP 23,622 |
| HILLMAN SOLUTIONS CORP 43,308 |
| HONDA MOTOR CO LTD SPONS ADR 3,428 |
| HP INC 12,000 |
| HUMANA INC 3,300 |
| ICHOR HOLDINGS LTD 10,204 |
| IDACORP INC 5,390 |
| INCYTE CORP 4,600 |
| INDEPENDENCE REALTY TRUST IN 34,390 |
| INTEGRA LIFESCIENCES HOLDING 12,030 |
| INTL FLAVORS + FRAGRANCES 7,500 |
| JBT MAREL CORP 5,435 |
| JOHNSON CONTROLS INTERNATION 21,700 |
| KB HOME 4,282 |
| KONINKLIJKE PHILIPS NV 108,982 |
| LAM RESEARCH CORP 13,417 |
| LLOYDS BANKING GROUP PLC 1,694,286 |
| LPL FINANCIAL HOLDINGS INC 500 |
| LYONDELLBASELL INDU CL A 5,300 |
| MAGNOLIA OIL + GAS CORP A 23,906 |
| MARSH + MCLENNAN COS 9,081 |
| MASTEC INC 3,212 |
| MATADOR RESOURCES CO 11,508 |
| MEDTRONIC PLC 3,000 |
| META PLATFORMS INC CLASS A 1,200 |
| META PLATFORMS INC CLASS A 5,341 |
| METHANEX CORP 11,650 |
| METLIFE INC 19,300 |
| MICROSOFT CORP 2,900 |
| MILLERKNOLL INC 24,729 |
| MOLSON COORS BEVERAGE CO B 5,200 |
| NATIONAL STORAGE AFFILIATES 6,669 |
| NCR ATLEOS CORP 20,555 |
| NETMARBLE CORP 271 |
| NETSTREIT CORP 15,520 |
| NEUROCRINE BIOSCIENCES INC 1,200 |
| NEWS CORP CLASS A 3,500 |
| NEXGEN ENERGY LTD 31,241 |
| NEXSTAR MEDIA GROUP INC 3,316 |
| NICOLET BANKSHARES INC 5,490 |
| NOMAD FOODS LTD 39,772 |
| NORFOLK SOUTHERN CORP 4,200 |
| NORTHERN OIL AND GAS INC 16,820 |
| NOVARTIS AG REG 29,724 |
| NOVARTIS AG SPONSORED ADR 4,033 |
| O I GLASS INC 41,531 |
| OCCIDENTAL PETROLEUM CORP 737 |
| OCCIDENTAL PETROLEUM CORP 22,700 |
| PACIFIC PREMIER BANCORP INC 21,760 |
| PACTIV EVERGREEN INC 19,183 |
| PAYPAL HOLDINGS INC 9,244 |
| PEDIATRIX MEDICAL GROUP INC 48,767 |
| PENGUIN SOLUTIONS INC 32,943 |
| PEOPLES BANCORP INC 7,780 |
| PORTLAND GENERAL ELECTRIC CO 4,507 |
| PREMIER FINANCIAL CORP 12,280 |
| PROGRESSIVE CORP 10,367 |
| RECKITT BENCKISER GROUP PLC 19,586 |
| REGENERON PHARMACEUTICALS 725 |
| REV GROUP INC 18,118 |
| ROCHE HOLDINGS LTD SPONS ADR 8 |
| RTX CORP 16,400 |
| RYMAN HOSPITALITY PROPERTIES 2,618 |
| SAMSUNG ELECTRONICS CO LTD 63,799 |
| SANOFI ADR 27,500 |
| SBA COMMUNICATIONS CORP 2,400 |
| SCHWAB (CHARLES) CORP 29,200 |
| SCHWAB (CHARLES) CORP 47,504 |
| SHELL PLC 75,781 |
| SILGAN HOLDINGS INC 8,160 |
| SODEXO SA 12,195 |
| SOUTHWEST AIRLINES CO 28,252 |
| STAG INDUSTRIAL INC 9,568 |
| STATE STREET CORP 3,100 |
| SUN COMMUNITIES INC 3,500 |
| SYNAPTICS INC 1,853 |
| T MOBILE US INC 3,400 |
| TAYLOR MORRISON HOME CORP 6,456 |
| TE CONNECTIVITY PLC 3,900 |
| TECNOGLASS INC 33 |
| TEXAS CAPITAL BANCSHARES INC 8,049 |
| THE CIGNA GROUP 2,900 |
| TOPGOLF CALLAWAY BRANDS CORP 36,320 |
| TRICO BANCSHARES 11,588 |
| TTM TECHNOLOGIES 22,515 |
| TXNM ENERGY INC 9,707 |
| UBS GROUP AG REG 4,900 |
| UBS GROUP AG REG 63,693 |
| UNITEDHEALTH GROUP INC 1,350 |
| UNIVERSAL MUSIC GROUP NV 45,801 |
| VF CORP 14,000 |
| WALKER + DUNLOP INC 5,326 |
| WELLS FARGO + CO 24,700 |
| WILLIAMS COS INC 12,800 |
| WINNEBAGO INDUSTRIES 11,040 |
| WSFS FINANCIAL CORP 11,575 |
| ZIMMER BIOMET HOLDINGS INC 6,000 |
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 MASSACHUSETTS LABORERS’ ANNUITY FUND. 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% | … | … |
Data as of 05/01/2026, Common starting date is 12/31/2000
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- We monitor and send timely rebalance emails on what investment funds to buy and sell
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