NORTH VALLEY ENDODONTICS P. A. Investment Options
Available Funds in NORTH VALLEY ENDODONTICS P. A.
Below is the lineup of investment options available to participants in NORTH VALLEY ENDODONTICS P. A.. 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 Funds 2010 Target Date Retirement Fund R6 (REATX) |
| American Funds 2020 Target Date Retirement Fund R6 (RECTX) |
| American Funds 2025 Target Date Retirement Fund R6 (REDTX) |
| American Funds 2030 Target Date Retirement Fund R6 (REETX) |
| American Funds 2035 Target Date Retirement Fund R6 (REFTX) |
| American Funds 2040 Target Date Retirement Fund R6 (REGTX) |
| American Funds 2045 Target Date Retirement Fund R6 (REHTX) |
| American Funds 2050 Target Date Retirement Fund R6 (REITX) |
| American Funds 2055 Target Date Retirement Fund R6 (FAJTX) |
| American Funds 2060 Target Date Retirement Fund R6 (CCKTX) |
| American Funds 2065 Target Date Retirement Fund R6 (FBMTX) |
| American Funds American Balanced Fund R6 (GBLAX) |
| American Funds Capital World Growth Income Fund R6 (CDWAX) |
| American Funds New World Fund R6 (HVWBX) |
| BlackRock Health Sciences Opportunities Fund K (SHSSX) |
| BlackRock Technology Opportunities Fund K (BGSIX) |
| Fidelity (FDGFX) |
| Vanguard Small Cap Value Index Adm Fund (VISVX) |
| Vanguard Explorer Admin Fund (VINEX) |
| Vanguard Mid Cap Growth Index Adm Fund (VMGIX) |
| Vanguard Mid Cap Value Index Adm Fund (VMVIX) |
| Vanguard Growth Index Adm Fund (VTGLX) |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| AMERFUNDS 2035 TARG DATERET R6 |
| VANGUARD SM CAP VAL INDEX ADM (VSLVX) |
| BR HEALTH SCIENCES OPPS K |
| COHEN & STEERS REAL EST SEC Z (CSDIX) |
| AMERFUNDS 2065 TARG DATERET R6 |
| VANGUARD EXPLORER ADMIN (VINEX) |
| FID 500 IND |
| BLK TECH OPPS FUND – K |
| AMERFUNDS 2010 TARG DATERET R6 (2010) |
| VANGUARD MIDCAP GROWTH IDX ADM (VTGLX) |
| AMFUNDS CAP WRLD GR INC – R6 |
| AMERICAN FUNDS 2055 TARGET R6 (FAJTX) |
| VANGUARD MID CAP VALUE IND ADM (VMVIX) |
| AMERICAN FUNDS NEW WORLD R6 (HVWBX) |
| AMERFUNDS 2060 TARG DATERET R6 |
| AMERFUNDS 2050 TARG DATERET R6 |
| AMERFUNDS 2045 TARG DATERET R6 (2045) |
| AMERFUNDS 2020 TARG DATERET R6 |
| AMERFUNDS 2040 TARG DATERET R6 |
| VANGUARD GROWTH INDEX FUND ADM (VTGLX) |
| AMERFUNDS AMER BALANCED – R6 |
| AMERFUNDS 2025 TARG DATERET R6 |
| AMERFUNDS 2030 TARG DATERET R6 |
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 VALLEY ENDODONTICS P. A.. 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
- Dividend stock funds
- Passive real estate investments
- more …
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