OBHG 401(K) PLAN Investment Options
Available Funds in OBHG 401(K) PLAN
Below is the lineup of investment options available to participants in OBHG 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 Option List |
|---|
| Vanguard 500 Index Fund Adm (VFINX) |
| American Century Ultra Fund R6 (AULNX) |
| Vanguard Small Cap Index Fund Adm (VISVX) |
| Vanguard LifeStrategy Growth Fund Inv (VSCGX) |
| Vanguard Equity Income Fund Adm (VEIPX) |
| Vanguard Mid Cap Index Fund Adm (VIMSX) |
| Dodge & Cox Income Fund I (DODIX) |
| American Funds Moderate Growth and Income Portfolio R6 (CBAGX) |
| Fidelity International (FDIVX) |
| American Funds New Perspective R6 (FFPNX) |
| Vanguard Intermediate-Term Treasury Fund Adm (VFITX) |
| DFA International Core Equity Portfolio Inst (DREIX) |
| DFA Inflation-Protected Securities Port Inst (DIPSX) |
| Vanguard Mid Cap Value Index Fund Adm (VMVIX) |
| Vanguard LifeStrategy Moderate Growth Fund Inv (VSMGX) |
| MFS Research Intl Fund R6 (MBIQX) |
| Baron Emerging Markets Fund Inst (ARTEX) |
| Fidelity Mid Cap Growth Idx Fd (FSMGX) |
| Invesco Small Cap Value Fd R6 (MPSCX) |
| PIMCO Income Fund Inst (PFLEX) |
| John Hancock Disciplined Value MidCap Fund I (JVLIX) |
| MFS International Growth Fund R6 (MGRDX) |
| PGIM High Yield Fund R6 (PHYEX) |
| Vanguard LifeStrategy Conservative Growth Fund Inv (VSCGX) |
| Delaware Ivy International Small Cap Growth Fund I (FKSCX) |
| Manning & Napier Rainier International Discovery Series Z (RAIWX) |
| MFS Glbl Opp Bnd Fund R6 |
| Vanguard LifeStrategy Income Fund Inv (VASIX) |
| Putnam International Value Fund R6 (PNGAX) |
| T. Rowe Price Retirement 2030 Fund (TRRCX) |
| T. Rowe Price Retirement 2035 Fund (TRRJX) |
| T. Rowe Price Retirement 2040 Fund (TRRDX) |
| T. Rowe Price Retirement 2045 Fund (TRRKX) |
| T. Rowe Price Retirement 2050 Fund (TRRMX) |
| T. Rowe Price Retirement 2025 Fund (TRRHX) |
| T. Rowe Price Retirement 2020 Fund (TRRBX) |
| T. Rowe Price Retirement 2015 Fund (TRRGX) |
| T. Rowe Price Retirement 2055 Fund (TRRNX) |
| T. Rowe Price Retirement 2010 Fund (TRRAX) |
| T. Rowe Price Retirement 2060 Fund (TRPLX) |
| T. Rowe Price Retirement 2065 Fund (TRSJX) |
| T. Rowe Price Retirement 2005 Fund (TRRFX) |
| Voya Fixed Account (VOYA) |
| 5.25% to 10.50%; maturing through 2029 |
| AmCen Ultra Fund R6 Registered Investment Company |
| American Funds Mod G&I Pt R6 Registered Investment Company |
| American Funds Nw Prspctv R6 Registered Investment Company (FUNDS) |
| Baron Emerging Markets Fd Ins Registered Investment Company (BEXFX) |
| DFA Infl-Prot Sec Port Ins Registered Investment Company |
| DFA Intl Core Equity Port Ins Registered Investment Company (CDFPX) |
| Dodge & Cox Income Fd I Registered Investment Company (DODIX) |
| Fidelity Intl Index Fnd Registered Investment Company |
| Fidelity Mid Cap Growth Idx Fd Registered Investment Company (FSMGX) |
| Fidelity Real Est Invest Port Registered Investment Company (FRESX) |
| Invesco Small Cap Value Fd R6 Registered Investment Company (RVVHX) |
| John Hanck Dis Val Md Cp Fd I Registered Investment Company |
| MFS Glbl Opp Bnd Fund R6 Registered Investment Company |
| MFS International Grw Fund R6 Registered Investment Company (GIEIX) |
| MFS Research Intl Fund R6 Registered Investment Company |
| Macq Small Cap Growth Inst Registered Investment Company (SBSCX) |
| MnNpr Rainier Intl Disc Srs Z Registered Investment Company |
| PGIM High Yield Fund R6 Registered Investment Company (PHYEX) |
| PIMCO Income Fund Ins Registered Investment Company (PFIIX) |
| Putnam Intl Value Fund R6 Registered Investment Company (PIGWX) |
| Vangrd 500 Index Fund Adm Registered Investment Company |
| Vangrd Equity Income Fund Adm Registered Investment Company (NVIEX) |
| Vangrd Int-Trm Treasury Fd Adm Registered Investment Company |
| Vangrd LifeStrat Cns Gr Fd Inv Registered Investment Company |
| Vangrd LifeStrat Grw Fd Inv Registered Investment Company |
| Vangrd LifeStrat Inc Fd Inv Registered Investment Company |
| Vangrd LifeStrat Md Grw Fd Inv Registered Investment Company |
| Vangrd Mid-Cap Index Fund Adm Registered Investment Company (RHFHX) |
| Vangrd Mid-Cap Vl Indx Fnd Adm Registered Investment Company |
| Vangrd Small-Cap Index Fnd Adm Registered Investment Company |
| Voya Gv Mny Mkt F A (Hld Acct) 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 OBHG 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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