NYE RETIREMENT PLAN Investment Options
Available Funds in NYE RETIREMENT PLAN
Below is the lineup of investment options available to participants in NYE 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 |
|---|
| American Funds Amer Funds New Persp R6 |
| American Funds Amerfunds 2010 Targ Dateret R6 |
| American Funds Amerfunds 2020 Targ Dateret R6 |
| American Funds Amerfunds 2025 Targ Dateret R6 |
| American Funds Amerfunds 2030 Targ Dateret R6 |
| American Funds Amerfunds 2035 Targ Dateret R6 |
| American Funds Amerfunds 2040 Targ Dateret R6 |
| American Funds Amerfunds 2045 Targ Dateret R6 |
| American Funds Amerfunds 2050 Targ Dateret R6 |
| American Funds Amerfunds 2060 Targ Dateret R6 |
| American Funds Amerfunds 2065 Targ Dateret R6 |
| American Funds Amerfunds Amer Balanced – R6 |
| American Funds Amerfunds Smallcap World R6 |
| American Beacon American Beacon Sm Cp Vl R6 |
| American Funds 2055 Target R6 |
| American Funds Cap Inc Bldr R6 |
| American Funds Europac Gro- R6 |
| American Funds New World R6 |
| American Funds Amf Growth And Income Port R6 |
| Fidelity Fid 500 Ind |
| Fidelity Fid Mid Cap Index |
| Fidelity Fid Small Cap Index |
| Fidelity Fid Us Bond Ind |
| Vanguard Van Us Growth – Inv |
| Vanguard Vang Equity Inc Adm |
| Vanguard Federal Mm Inv |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VAN US GROWTH – INV |
| AMERFUNDS 2040 TARG DATERET R6 |
| AMF GROWTH AND INCOME PORT R6 |
| AMERFUNDS 2030 TARG DATERET R6 |
| FID SMALL CAP INDEX |
| VANG EQUITY INC ADM |
| AMER FUNDS NEW PERSP R6 |
| AMERFUNDS 2060 TARG DATERET R6 |
| AMERFUNDS 2010 TARG DATERET R6 |
| AMERFUNDS 2065 TARG DATERET R6 |
| AMERFUNDS 2015 TARG DATERET R6 |
| AMERFUNDS 2035 TARG DATERET R6 |
| FID 500 IND |
| AMERFUNDS 2045 TARG DATERET R6 |
| AMERICAN BEACON SM CP VL R6 |
| FID MID CAP INDEX |
| AMERFUNDS SMALLCAP WORLD R6 |
| AMERFUNDS 2020 TARG DATERET R6 |
| AMERFUNDS 2025 TARG DATERET R6 |
| AMERFUNDS 2050 TARG DATERET R6 |
| AMERFUNDS AMER BALANCED – R6 |
| AB SMALL CAP GROWTH PORT Z |
| FID US BOND IND |
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 NYE 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?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
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