OSHA BERGMAN WATANABE & BURTON 401(K) PLAN Investment Options
Basic steps for OSHA BERGMAN WATANABE & BURTON 401(K) PLAN investments
- Understand Your Goals and Risk Tolerance: Consider your retirement goals, time horizon, and risk tolerance when choosing investments. Are you saving for retirement, or do you have other financial goals in mind? How comfortable are you with market fluctuations?
- Diversification: Diversification is key to managing risk in your investment portfolio. Spread your investments across different asset classes (e.g., stocks, bonds, cash equivalents) and sectors to reduce the impact of market volatility.
- Asset Allocation: Determine the appropriate mix of assets for your investment portfolio based on your goals and risk tolerance. This may involve allocating a percentage of your portfolio to stocks, bonds, and cash equivalents.
- Review Investment Options: Evaluate the investment options available within OSHA BERGMAN WATANABE & BURTON 401(K) PLAN (see below for more detailed investment options). Look for funds with low fees, consistent performance, and a track record of meeting their investment objectives.
- Consider Target-Date Funds: Target-date funds are a popular option for retirement savings because they automatically adjust the asset allocation over time based on your expected retirement date. These funds can be a convenient option for investors who prefer a hands-off approach to investing.
- Monitor and Rebalance: Periodically review your investment portfolio and make adjustments as needed. Rebalance your portfolio to maintain your desired asset allocation and ensure it remains aligned with your goals and risk tolerance.
- Seek Professional Advice: If you’re unsure about which investments to choose or how to allocate your assets, consider seeking advice from a financial advisor. They can help you develop an investment strategy tailored to your individual needs and circumstances.
By following these steps, you can set up a 401(k) plan and choose investments that align with your long-term financial goals and objectives. Remember that investing involves risk, and it’s important to carefully consider your options and seek professional advice if needed.
Investment Options
OSHA BERGMAN WATANABE & BURTON 401(K) PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
Total Available Funds: 36
| Investment Description |
|---|
| VOYA U. S. STOCK INDEX PORTFOLIO SRV 2 |
| VOYA MFS RESEARCH FUND |
| VOYA RUSSELL MDCP INDX PRT S2 |
| VOYA ALGER CAP APPRECIATION FND A |
| VOYA MFS RESEARCH INTERNATIONAL FUND R |
| VOYA AMERICAN FUNDS AMCAP FUND R3 |
| VOYA CLEAR BRIDGE SMALL CAP GROWTH |
| VOYA AMERICAN FUND BOND |
| VOYA MFS VALUE FUND R2 |
| VOYA VOYA SOLUTION 2025 PORTFOLIO SRV 2 |
| VOYA EATON VANCE-ATL CP SMID-CP FR |
| VOYA VOYA INTERMEDIATE BOND PRT S2 |
| VOYA INVESCO OPPENHEIMER DEVELOPING MARKET FUND N |
| VOYA PIMCO INCOME FUND R |
| VOYA MFS GLOBAL EQUITY FUND |
| VOYA VOYA SOLUTION 2035 PORTFOLIO SRV 2 |
| VOYA VOYA SOLUTION 2045 PORTFOLIO SRV 2 |
| VOYA VOYA SOLUTION 2055 PORTFOLIO SRV 2 |
| VOYA VOYA SOLUTION 2050 PORT SRV2 |
| VOYA VOYA SOLUTION 2040 PORT SRV2 |
| VOYA VOYA RUSSELL SMALL CAP INDEX PRT S2 |
| VOYA VOYA SOLUTION 2060 PORT SRV2 |
| VOYA AB GLOBAL BOND FUND R |
| VOYA VOYA CLARION REAL ESTATE PORT SRV 2 |
| VOYA VICTORY SYCAMORE ESTABLISHED VALUE FUND R |
| VOYA MFS AGGRESSIVE GROWTH ALLOCATION FUND R2 |
| VOYA MFS GROWTH ALLOCATION |
| VOYA BLACKROCK HIGH YLD BOND PORT- CI R |
| VOYA PIMCO COMMODITY REAL RETURN STRATEGY FUND R |
| VOYA VOYA COLUMBIA SMALL CAP VALUE II PORT |
| VOYA MFS CONSERVATIVE ALLOCATION FUND |
| VOYA VOYA SOLUTION 2030 PORT SRV2 |
| VOYA MFS MODERATE ALLOCATION FND R2 |
| VOYA AMERICAN CENTURY SHORT DURATION INFL PROTECT BOND FD R |
| VOYA GOV MONEY MKT FUND A (HOLD ACCT) |
| VOYA VOYA SOLUTION INCOME PORTFOLIO SRV 2 |
How to invest
Key principles in retirement investing:
- Proper asset allocation among stocks and bonds, the two major assets. Proper assess your risk tolerance level based on your age, financial situation, personal emotional level to tolerate up and down, and retirement expectation.
- Invest in (ultra) low cost index funds if possible. Don’t get caught up with flashy funds.
- Invest for a long term: financial markets are up and down and investment values are subject to fluctuation. However, viewed as business investments, you can be assured that diversified funds (stocks and bonds) have solid business fundamental that eventually will deliver inflation beating returns for stocks.
See Four-Step Guide for 401(k) Retirement Investing.
Basic asset allocation templates
The following asset allocation templates are based on popular lazy portfolios. These are core or major asset class-based portfolios using ultra-low-cost index funds for each asset class. Once you have decided on your proper risk asset (stocks) allocation, you can utilize these lazy portfolio templates to scale the allocations to your risk allocation level. See Asset Allocation Portfolio Templates for a guide:
The return data shown below all have the same latest date: 05/12/2025.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 1.72% | 7.66% | 7.74% | 8.07% | 6.31% | 7.16% | 6.80% | 6.47% |
| Five Core Asset Portfolio | 1.55% | 7.68% | 7.62% | 7.95% | 6.24% | 7.06% | 6.88% | 6.66% |
| Three Core Asset Portfolio | 1.63% | 7.79% | 8.53% | 8.52% | 6.69% | 7.46% | 6.94% | 6.40% |
| Two Core Asset Portfolio | -0.26% | 8.45% | 9.23% | 9.10% | 7.80% | 8.66% | 7.64% | 6.90% |
| Yale Endowment Template | 2.08% | 8.20% | 7.15% | 8.06% | 6.76% | 7.97% | 7.57% | 7.73% |
| S&P 500 Index | -0.24% | 13.28% | 15.73% | 17.00% | 12.67% | 13.31% | 10.44% | 8.46% |
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