MTI SAVINGS PLAN Investment Options
Available Funds in MTI SAVINGS PLAN
Below is the lineup of investment options available to participants in MTI SAVINGS 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 Option List |
|---|
| American Beacon Small Cap Value Fund Class R6 1,377 Shares (AASVX) |
| American EuroPacific Growth Fund Class R6 738 Shares (FEPUX) |
| Conestoga Small Cap Institutional 812 Shares (CCASX) |
| Dodge & Cox Stock Fund 215 Shares (DODFX) |
| Harbor Capital Appreciation Fund Retirement Class 871 Shares (HNACX) |
| Baillie Gifford Emerging Markets Equity Fund 159 Shares (BGEDX) |
| Blackrock Inflation Protection Bond 1,369 Shares (BPRIX) |
| Fidelity Mid Cap Index Fund 728 Shares (FIIMX) |
| Vanguard Target Retirement 2020 Fund 9,812 Shares (VTWNX) |
| Vanguard Target Retirement 2025 Fund 14,507 Shares (VTTVX) |
| Vanguard Target Retirement 2030 Fund 27,029 Shares (VTHRX) |
| Vanguard Target Retirement 2035 Fund 15,767 Shares (VTTHX) |
| Vanguard Target Retirement 2040 Fund 13,540 Shares (VFORX) |
| Vanguard Target Retirement 2045 Fund 14,075 Shares (VTIVX) |
| Vanguard Target Retirement 2050 Fund 5,788 Shares (VFIFX) |
| Vanguard Target Retirement 2055 Fund 4,654 Shares (VFFVX) |
| Vanguard Target Retirement 2060 Fund 623 Shares (VTTSX) |
| Vanguard Target Retirement 2065 Fund 246 Shares (VSXFX) |
| Vanguard Target Ret Income Fund 497 Shares (VTINX) |
| Vanguard Institutional Index Fund 432 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 (DODFX) |
| EUROPACIFIC GROWTH R6 Registered Investment Company (R6) |
| FEDERATED HERMES TTLRET BND R6 Registered Investment Company |
| FIDELITY MID CAP INDEX Registered Investment Company (FIIMX) |
| HARBOR CAP APPRECIATION RTMT Registered Investment Company |
| VANGUARD INSTITUTIONAL INDEX Registered Investment Company (VFSTX) |
| VANGUARD TARGET RETIREMNT 2020 Registered Investment Company (VTWNX) |
| VANGUARD TARGET RETIREMNT 2025 Registered Investment Company (VTTVX) |
| VANGUARD TARGET RETIREMNT 2030 Registered Investment Company (VTHRX) |
| VANGUARD TARGET RETIREMNT 2035 Registered Investment Company (VTTHX) |
| VANGUARD TARGET RETIREMNT 2040 Registered Investment Company (VFORX) |
| VANGUARD TARGET RETIREMNT 2045 Registered Investment Company (VTIVX) |
| VANGUARD TARGET RETIREMNT 2050 Registered Investment Company (VFIFX) |
| VANGUARD TARGET RETIREMNT 2055 Registered Investment Company (VFFVX) |
| VANGUARD TARGET RETIREMNT 2060 Registered Investment Company (VTTSX) |
| VANGUARD TARGET RETIREMNT 2065 Registered Investment Company (VSXFX) |
| VANGUARD TARGET RETMT INCOME Registered Investment Company (VTINX) |
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 SAVINGS 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?
- ETF or mutual fund income portfolios for 4-7% annual income
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