OPENAI 401(K) PLAN Investment Options
Available Funds in OPENAI 401(K) PLAN
Below is the lineup of investment options available to participants in OPENAI 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 Description |
|---|
| Personal Choice Retirement Account – Common Stock |
| Vanguard 500 Index Fund Admiral Shares |
| Vanguard Value Index Fund Admiral Shares |
| Vanguard Growth Index Fund Admiral Shares |
| Vanguard Global Equity Fund Investor Shares |
| Vanguard Mid-Cap Index Fund Admiral Shares |
| MFS International Equity Fund Class R6 |
| Vanguard High-Yield Corporate Fund Admiral Shares |
| Vanguard Small-Cap Index Fund Admiral Shares |
| Vanguard Mid-Cap Value Index Fund Admiral Shares |
| Vanguard Developed Markets Index Fund Admiral |
| Vanguard Mid-Cap Growth Index Admiral Shares |
| Vanguard Small-Cap Value Index Fund Admiral Shares |
| Vanguard Intermediate-Term Bond Index Fund Admiral Shares |
| Vanguard Small-Cap Growth Index Fund Admiral Shares |
| Vanguard Emerging Markets Stock Index Fund Admiral Shares |
| Vanguard Institutional target Retirement 2020 Fund Institutional Shares |
| Vanguard Institutional target Retirement 2025 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2030 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2035 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2040 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2045 Fund Institutional Shares |
| Vanguard Institutional target Retirement 2050 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2055 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2060 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2065 Fund Institutional Shares |
| Vanguard Institutional Target Retirement 2070 Fund Institutional Shares |
| Calvert US Large Cap Core Responsible Index Fund Class I |
| Vanguard Target Retirement Income Fund |
| BlackRock High Yield K |
| DFA Investment Grade I |
| rates ranging from 8.00% to 9.50% – |
| BLACKROCK HIGH YIELD BOND K Registered Investment Company |
| CALVERT USLGCPCORE RSPNBIDX R6 Registered Investment Company |
| DFA INVESTMENT GRADE CL I Registered Investment Company |
| MFS INSTL INTL EQUITY Registered Investment Company |
| VANGUARD 500 INDEX ADMIRAL Registered Investment Company |
| VANGUARD DEVELOPED MKT IDX ADM Registered Investment Company |
| VANGUARD EMRG MKTS INDEX ADM Registered Investment Company |
| VANGUARD GLOBAL EQUITY INV Registered Investment Company |
| VANGUARD GROWTH INDEX ADMIRAL Registered Investment Company |
| VANGUARD HIGH-YIELD CORP ADM Registered Investment Company |
| VANGUARD INTERM TERM BD IDX A Registered Investment Company |
| VANGUARD MDCP GRTH INDEX ADM Registered Investment Company |
| VANGUARD MID CAP INDEX ADMIRAL Registered Investment Company |
| VANGUARD MID CAP VALUE IDX ADM Registered Investment Company |
| VANGUARD SM CAP VAL INDEX ADM Registered Investment Company |
| VANGUARD SMALL CAP GRTH INDEX Registered Investment Company |
| VANGUARD SMALL CAP INDEX ADMRL Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2020 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2025 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2030 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2035 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2040 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2045 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2050 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2055 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2060 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2065 Registered Investment Company |
| VANGUARD TARGET RETIREMNT 2070 Registered Investment Company |
| VANGUARD TARGET RETMT INCOME Registered Investment Company |
| VANGUARD VALUE INDEX ADM Registered Investment Company |
| OUTSIDE ASSET – Common Stock Common Stock |
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 OPENAI 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
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