OPORTUN 401(K) PLAN Investment Options
Available Funds in OPORTUN 401(K) PLAN
Below is the lineup of investment options available to participants in OPORTUN 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 |
|---|
| Allspring Core Bond Fund R6 |
| American Funds Cap Wld G&I R6 |
| American Funds Target Date 2010 R6 (REATX) |
| American Funds Taget Date 2015 R6 (REJTX) |
| American Funds Target Date 2020 R6 (RECTX) |
| American Funds Target Date 2025 R6 (REDTX) |
| American Funds Target Date 2030 R6 (REETX) |
| American Funds Target Date 2035 R6 (REFTX) |
| American Funds Target Date 2040 R6 (REGTX) |
| American Funds Target Date 2045 R6 (REHTX) |
| American Funds Target Date 2050 R6 (REITX) |
| American Funds Target Date 2055 R6 (FAJTX) |
| American Funds Target Date 2060 R6 (CCKTX) |
| American Funds Target Date 2065 R6 (FBMTX) |
| American New Perspective R6 (NPFBX) |
| Blackrock High Yield Bond K (BHYIX) |
| DFA Global Equity Instl (LGEVX) |
| DFA Inflation Protected Sec I (DIPSX) |
| DFA Intl Value Portfolio (DISVX) |
| DFA Us Small Cap (DISVX) |
| Dodge & Cox Stock Fund X (DODFX) |
| Fidelity 500 Index (FUSEX) |
| Fidelity Advisor Technology Z (FFOTX) |
| Fidelity Mid Cap Index (FIIMX) |
| iShares Msci Eafe Intl Idx K (BTMGX) |
| Janus Henderson Glbl Life Sci (JFNNX) |
| JPMorgan Large Cap Growth R6 (SEEGX) |
| Nuveen Large Cap Resp Eq R6 (NLCIX) |
| Pimco Income Institutional (PFIIX) |
| Vanguard Growth Index Admiral (VQNPX) |
| Vanguard Interm Term Bd Idx A (VIBSX) |
| Vanguard Intl Growth Admiral (VQNPX) |
| Vanguard Mdcp Grth Index Adm (VAARX) |
| Vanguard Mid Cap Value Idx Adm (VMVIX) |
| Vanguard Sm Cap Val Index Adm (VSLVX) |
| Vanguard Small Cap Grth Index (VISVX) |
| Vanguard Ttl Wldstk Index Adm (VAARX) |
| Vanguard Value Index Adm (VTRIX) |
| Vanguard Long-Trm Treas Idx Admiral (VLGIx) |
| Victory Syc Est Value R6 (RSVAX) |
| rates ranging from 4.25% to 9.50% – |
| ALLSPRING CORE BOND FUND R6 Registered Investment Company |
| AMERICAN FUNDS CAP WLD G&I R6 Registered Investment Company |
| AMERICAN FUNDS TRGTDT 2010 R6 Registered Investment Company |
| AMERICAN FUNDS TRGTDT 2015 R6 Registered Investment Company |
| AMERICAN FUNDS TRGTDT 2020 R6 Registered Investment Company |
| AMERICAN FUNDS TRGTDT 2025 R6 Registered Investment Company |
| AMERICAN FUNDS TRGTDT 2030 R6 Registered Investment Company |
| AMERICAN FUNDS TRGTDT 2035 R6 Registered Investment Company |
| AMERICAN FUNDS TRGTDT 2040 R6 Registered Investment Company |
| AMERICAN FUNDS TRGTDT 2045 R6 Registered Investment Company |
| AMERICAN FUNDS TRGTDT 2050 R6 Registered Investment Company |
| AMERICAN FUNDS TRGTDT 2055 R6 Registered Investment Company |
| AMERICAN FUNDS TRGTDT 2060 R6 Registered Investment Company |
| AMERICAN FUNDS TRGTDT 2065 R6 Registered Investment Company |
| AMERICAN NEW PERSPECTIVE R6 Registered Investment Company (NPFBX) |
| BLACKROCK HIGH YIELD BOND K Registered Investment Company (BHYIX) |
| DFA GLOBAL EQUITY INSTL Registered Investment Company (DGSFX) |
| DFA INFLATION PROTECTED SEC I Registered Investment Company (DIPSX) |
| DFA INTL VALUE PORTFOLIO Registered Investment Company |
| DFA US SMALL CAP Registered Investment Company (DISVX) |
| DODGE & COX STOCK FUND X Registered Investment Company (DODFX) |
| FIDELITY 500 INDEX Registered Investment Company (FRESX) |
| FIDELITY ADVISOR TECHNOLOGY Z Registered Investment Company (FATIX) |
| FIDELITY MID CAP INDEX Registered Investment Company (FIIMX) |
| ISHARES MSCI EAFE INTL IDX K Registered Investment Company (BTMGX) |
| JANUS HENDERSON GLBL LIFE SCI Registered Investment Company (JCNNX) |
| JPMORGAN LARGE CAP GROWTH R6 Registered Investment Company (SEEGX) |
| NUVEEN LARGE CAP RESP EQ R6 Registered Investment Company |
| PIMCO INCOME INSTITUTIONAL Registered Investment Company (PFIIX) |
| VANGUARD GROWTH INDEX ADMIRAL Registered Investment Company (VQNPX) |
| VANGUARD INTERM TERM BD IDX A Registered Investment Company (VFSTX) |
| VANGUARD INTL GROWTH ADMIRAL Registered Investment Company (VQNPX) |
| VANGUARD MDCP GRTH INDEX ADM Registered Investment Company |
| VANGUARD MID CAP VALUE IDX ADM Registered Investment Company (VMVIX) |
| VANGUARD SM CAP VAL INDEX ADM Registered Investment Company |
| VANGUARD SMALL CAP GRTH INDEX Registered Investment Company (VISVX) |
| VANGUARD TTL WLDSTK INDEX ADM Registered Investment Company |
| VANGUARD VALUE INDEX ADM Registered Investment Company (VTRIX) |
| VGD LONG-TRM TREAS IDX ADMIRAL Registered Investment Company |
| VICTORY SYC EST VALUE R6 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 OPORTUN 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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