OPEN PEP 2 Investment Options
Available Funds in OPEN PEP 2
Below is the lineup of investment options available to participants in OPEN PEP 2. 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 American Funds AmerBal Fund |
| Lincoln American Funds Perspective Fund |
| Lincoln DFA US Sm Cp Val Prt Inst Fund |
| Lincoln MFS Growth Fund Fund |
| Lincoln SS Rsl Sml Cap Grw NL Fund |
| Lincoln Vanguard Value Index Adml Fund |
| Lincoln MFS MidCap Growth Fund Fund |
| Lincoln YourPath Active 2015 Mod Fund |
| Lincoln YourPath Active 2020 Mod Fund |
| Lincoln YourPath Active 2025 Mod Fund |
| Lincoln YourPath Active 2030 Mod Fund |
| Lincoln YourPath Active 2035 Mod Fund |
| Lincoln YourPath Active 2040 Mod Fund |
| Lincoln YourPath Active 2045 Mod Fund |
| Lincoln YourPath Active 2050 Mod Fund |
| Lincoln YourPath Active 2055 Mod Fund |
| Lincoln YourPath Active 2060 Mod Fund |
| Lincoln YourPath Active 2065 Mod Fund |
| Lincoln Baird Ultra Shrt Bnd Inst Fund |
| Lincoln Fidelity 500 Index Fund SAWQ |
| Lincoln American Funds New World Fund |
| Lincoln DFA Int Val Port Instl Fund |
| Lincoln MFS International Equity Fund |
| Lincoln YourPath Active 2010 Con Fund |
| Lincoln YourPath Active 2025 Con Fund |
| Lincoln YourPath Active 2030 Con Fund |
| Lincoln YourPath Active 2035 Con Fund |
| Lincoln YourPath Active 2040 Con Fund |
| Lincoln YourPath Active 2050 Con Fund |
| Lincoln YourPath Active 2055 Con Fund |
| Lincoln YourPath Active 2055 Agg Fund |
| Lincoln DFA Real Est Sec Ptf Inst Fund |
| Lincoln Amer Cent Mid Cap VL Fund |
| Lincoln AmerFunds EuroPac Growth Fund |
| Lincoln PIMCO Intl Bond Admin Fund |
| Lincoln Vanguard Div Growth Inv Fund |
| Lincoln Vanguard High Yield Corp Admrl Fund |
| Lincoln YourPath Active 2050 Agg Fund |
| Lincoln YourPath Active 2065 Con Fund |
| Lincoln YourPath Active 2020 Con Fund |
| Lincoln YourPath Active 2035 Agg Fund |
| Lincoln YourPath Active 2040 Agg Fund |
| Lincoln YourPath Active 2045 Agg Fund |
| Lincoln YourPath Active Rinc Mod Fund |
| Lincoln YourPath Active 2060 agg Fund |
| Lincoln YourPath Active 2065 Agg Fund |
| Lincoln YourPath Active 2030 Agg Fund |
| Lincoln PIMCO Inc Instl Fund |
| Lincoln Vanguard Inflation Protected Sec Fund |
| Lincoln Baird Aggregate Bond Inst Fund |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
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 2. 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
Join our community and get data-driven insights about OPEN PEP 2. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- General Dynamics 401(k) Review: 100% Match Up to 6% With $325 Million in Employer Contributions
- June 2026 MyPlanIQ Portfolio Update
- APPLE 401(K) PLAN 401(k) Review: A Match That Rewards Loyalty, Plus Plenty of Investment Options
- Charter Communications 401(k) Review: 100% Match Up to 6% With a 3-Year Vesting Clock
- Google LLC 401(k) Savings Plan Review: A Revealing Look at Their Greater Of Match Structure
- Walmart 401(k) Plan Review: 100% Match on 6% for 1.9 Million Employees
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 …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching OPEN PEP 2
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
Related Plans
- METHODIST HEALTH SERVICES CORPORATION 401(K) RETIREMENT SAVINGS PLAN (3,374 participants, $77,139,928)
- MILLENNIUM INTERNATIONAL MANAGEMENT LP SAVINGS PLAN (3,277 participants, $545,931,505)
- CONSERVICE, LLC 401(K) PROFIT SHARING PLAN AND TRUST (3,241 participants, $67,659,915)
- METHODIST HEALTH SERVICES CORPORATION 401(K) PLAN (3,555 participants, $47,897,456)
- CMS SAVINGS PLAN AND TRUST (3,110 participants, $414,185,481)