OPEN PEP Investment Options
Available Funds in OPEN PEP
Below is the lineup of investment options available to participants in OPEN PEP. 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 |
|---|
| Lincoln YourPath Passive 2035 Moderate |
| Lincoln YourPath Passive 2040 Moderate |
| Lincoln YourPath Passive 2045 Moderate |
| Lincoln YourPath Passive 2050 Moderate |
| Lincoln YourPath Passive 2055 Moderate |
| Lincoln YourPath Passive 2060 Moderate |
| Lincoln YourPath Passive 2010 Moderate |
| Lincoln YourPath Passive 2015 Moderate |
| Lincoln YourPath Passive 2020 Moderate |
| Lincoln YourPath Passive 2025 Moderate |
| Lincoln YourPath Passive 2030 Moderate |
| Lincoln Vanguard Emerging Markets Stock Index Admiral Fund |
| Lincoln Vanguard International Value Investment Fund |
| Lincoln Vanguard High-Yield Corporate Admiral Fund |
| Lincoln Vanguard Small-Cap Index Fund Admiral |
| Lincoln Vanguard Developed Markets Index Fund Admiral |
| Lincoln Vanguard Mid-Cap |
| Lincoln AmerFunds EuroPac Growth Fund |
| Lincoln DFA Inflation-Protected Securities |
| Lincoln YourPath Passive 2015 Pathbuilder Income |
| Lincoln YourPath Passive 2020 Pathbuilder Income |
| Lincoln YourPath Passive 2025 Pathbuilder Income |
| Lincoln YourPath Passive 2030 Pathbuilder Income |
| Lincoln YourPath Passive 2035 Pathbuilder Income |
| Lincoln YourPath Passive 2040 Pathbuilder Income |
| Lincoln YourPath Passive 2045 Pathbuilder Income |
| Lincoln YourPath Passive 2050 Pathbuilder Income |
| Lincoln YourPath Passive 2055 Pathbuilder Income |
| Lincoln YourPath Passive 2060 Pathbuilder Income |
| Lincoln YourPath Passive 2065 Pathbuilder Income |
| Lincoln Fidelity Sustainability Bond |
| Lincoln State Street S&P 500 Index Fund – Class N |
| Lincoln State Street Rsl Large Cap Growth Fund |
| Lincoln State Street Rsl Large Cap Value Fund |
| Lincoln Vanguard LifeStrategy Conservative Growth Fund |
| Lincoln Vanguard LifeStartegy Growth Fund |
| Lincoln Vanguard LifeStrategy Moderate Growth Fund |
| Lincoln Vanguard LifeStartegy Income Fund |
| Lincoln YourPath Passive 2035 Conservative Class 1 |
| Lincoln YourPath Passive 2045 Conservative Class 1 |
| Lincoln YourPath Passive 2045 Aggressive Class |
| Lincoln YourPath Passive 2050 Conservative Class 1 |
| Lincoln YourPath Passive 2050 Aggressive Class 1 |
| Lincoln YourPath Passive 2060 Aggressive Class 1 |
| Lincoln YourPath Passive 2065 Moderate |
| Lincoln YourPath Passive 2065 Conservative Class 1 |
| Lincoln YourPath Passive 2065 Aggressive Class 1 |
| Lincoln YourPath Passive 2030 Aggressive Class |
| Lincoln YourPath Passive 2010 Conservative Class 1 |
| Lincoln YourPath Passive 2010 Aggressive Class 1 |
| Lincoln YourPath Passive 2015 Conservative Class 1 |
| Lincoln YourPath Passive 2015 Aggressive Class |
| Lincoln YourPath Passive 2020 Conservative Class 1 |
| Lincoln YourPath Passive 2020 Aggressive Class 1 |
| Lincoln YourPath Passive 2035 Aggressive Class 1 |
| Lincoln YourPath Passive 2040 Aggressive Class 1 |
| Lincoln YourPath Passive 2055 Aggressive Class 1 |
| Lincoln YourPath Passive 2055 Conservative Class 1 |
| Lincoln YourPath Passive 2060 Conservative Class 1 |
| Lincoln YourPath Passive Retirement Income Conservative Class 1 |
| Lincoln YourPath Passive Retirement Income Moderate |
| Lincoln YourPath Passive Retirement Income Aggressive |
| Lincoln YourPath Passive 2025 Conservative Class 1 |
| Lincoln YourPath Passive 2025 Aggressive Class 1 |
| Lincoln YourPath Passive 2030 Conservative Class 1 |
| Lincoln YourPath Passive 2040 Conservative Class 1 |
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 OPEN PEP. 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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