NORTH AMERICAN COMPANIES 401(K) RETIREMENT PLAN Investment Options
Available Funds in NORTH AMERICAN COMPANIES 401(K) RETIREMENT PLAN
Below is the lineup of investment options available to participants in NORTH AMERICAN COMPANIES 401(K) RETIREMENT 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 |
|---|
| Principal Trust Company Principal LifeTime Hybrid Income Fund |
| Principal Trust Company Principal LifeTime Hybrid 2015 Fund |
| Principal Trust Company Principal LifeTime Hybrid 2020 Fund |
| Principal Trust Company Principal LifeTime Hybrid 2025 Fund |
| Principal Trust Company Principal LifeTime Hybrid 2030 Fund |
| Principal Trust Company Principal LifeTime Hybrid 2035 Fund |
| Principal Trust Company Principal LifeTime Hybrid 2040 Fund |
| Principal Trust Company Principal LifeTime Hybrid 2045 Fund |
| Principal Trust Company Principal LifeTime Hybrid 2050 Fund |
| Principal Trust Company Principal LifeTime Hybrid 2055 Fund |
| Principal Trust Company Principal LifeTime Hybrid 2060 Fund |
| Principal Trust Company Principal LifeTime Hybrid 2065 Fund |
| Principal Trust Company Principal LifeTime Hybrid 2070 Fund |
| BlackRock High Yield Bond K Fund |
| BlackRock iShares US Aggregate Bond Index K Fund |
| PIMCO Global Bond (USD-Hdg) I Fund |
| Vanguard Inflation Protected Sec Adm Fund |
| American Funds American Mutual R6 Fund |
| Vanguard Growth Index Adm Fund |
| Vanguard Value Index Adm Fund |
| American Beacon American Beacon Small Cap Value R5 Fund |
| Carillon Eagle Carillon Eagle MidCap Growth R6 Fund |
| Janus Henderson Triton N Fund |
| Virtus Cer Virtus Cer MC Val Equity R6 Fund |
| DFA Emerging Markets Core Equity I Fund |
| Vanguard International Growth Adm Fund |
| Principal Life Ins. Co. Principal Core Fixed Income Fund |
| Principal Life Ins. Co. Principal Large Cap S&P |
| Principal Life Ins. Co. Principal LargeCap Growth I Fund |
| Principal Life Ins. Co. Principal MidCap S&P |
| Principal Life Ins. Co. Principal SmallCap S&P |
| Principal Life Ins. Co. Principal Diversified International Fund |
| Principal Life Ins. Co. Principal International Equity |
| Principal Life Ins. Co. Guaranteed Option |
| Rates from 4.25% to 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 NORTH AMERICAN COMPANIES 401(K) RETIREMENT 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?
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