MTI 401(K) PLAN Investment Options
Available Funds in MTI 401(K) PLAN
Below is the lineup of investment options available to participants in MTI 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 |
|---|
| American Beacon Small Cap Value Fund Class R6 68,248 Shares |
| Baillie Gifford Emerging Markets Equity Fund 3,840 Shares |
| Blackrock Inflation Protection Bond 22,724 Shares |
| Conestoga Small Cap Institutional 39,895 Shares |
| Dodge & Cox Stock Fund 18,957 Shares |
| Euro Pacific Growth R6 63,524 Shares |
| Fidelity Mid Cap Index Fund 11,147 Shares |
| Harbor Capital Appreciation Fund Retirement Class 82,934 Shares |
| Vanguard Institutional Index Fund 21,336 Shares |
| Vanguard Target Retirement 2020 Fund 19,915 Shares |
| Vanguard Target Retirement 2025 Fund 196,868 Shares |
| Vanguard Target Retirement 2030 Fund 60,101 Shares |
| Vanguard Target Retirement 2035 Fund 121,716 Shares |
| Vanguard Target Retirement 2040 Fund 82,963 Shares |
| Vanguard Target Retirement 2045 Fund 106,303 Shares |
| Vanguard Target Retirement 2050 Fund 72,295 Shares |
| Vanguard Target Retirement 2055 Fund 39,462 Shares |
| Vanguard Target Retirement 2060 Fund 8,798 Shares |
| Vanguard Target Retirement 2065 Fund 14,756 Shares |
| Vanguard Target Retirement Income Fund 178,637 Shares |
| AMERICAN BEACON SMCAP VA R6 Registered Investment Company |
| BAILLIE GIFFORD EMR MKT EQTY K Registered Investment Company |
| BLACKROCK INFLT PROT BOND K Registered Investment Company |
| CONESTOGA SMCAP INSTITUTIONAL Registered Investment Company |
| DODGE & COX STOCK FUND X Registered Investment Company |
| EUROPACIFIC GROWTH R6 Registered Investment Company |
| FEDERATED HERMES TTLRET BND R6 Registered Investment Company |
| FIDELITY MID CAP INDEX Registered Investment Company |
| HARBOR CAP APPRECIATION RTMT Registered Investment Company |
| VANGUARD INSTITUTIONAL INDEX Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2020 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2025 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2030 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2035 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2040 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2045 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2050 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2055 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2060 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2065 Registered Investment Company |
| VANGUARD TARGET RETMT INCOME Registered Investment Company |
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 MTI 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
- more …
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