OTO DEVELOPMENT 401K PLAN Investment Options
Available Funds in OTO DEVELOPMENT 401K PLAN
Below is the lineup of investment options available to participants in OTO DEVELOPMENT 401K 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 |
|---|
| AMERICAN CENTRUY GROWTH R6 OTHER INVESTMENTS |
| DFA US TARGETED VALUE PORTFOLIO OTHER INVESTMENTS |
| DFA INTERNATIONAL VALUE PORTFOLIO OTHER INVESTMENTS |
| DODGE & COX INCOME FUND OTHER INVESTMENTS |
| FIDELITY MID CAP INDEX FUND OTHER INVESTMENTS |
| FIDELITY INTL INDEX FUND OTHER INVESTMENTS |
| FIDELITY SMALL CAP INDEX FUND OTHER INVESTMENTS |
| Macquarie Mid Cap Growth R6 OTHER INVESTMENTS |
| JOHN HANCOCK FUNDS III INTL GROWTH FUND CLASS R6 OTHER INVESTMENTS |
| MFS MID CAP VALUE FUND CLASS R6 OTHER INVESTMENTS |
| (CL) INVESCO DISCOVERY R6 OTHER INVESTMENTS |
| PIMCO INTL BOND (USDHEDGED) I OTHER INVESTMENTS |
| AMERICAN FDS INCOME SRS – US GOV SECURITIES FD CL R-6 OTHER INVESTMENTS |
| AMERICAN BALANCED FUND, CL R-6 SHS OTHER INVESTMENTS |
| T. ROWE PRICE RETIREMENT 2005 I OTHER INVESTMENTS |
| RETIREMENT 2020 FUND – I CLASS OTHER INVESTMENTS |
| RETIREMENT I 2025 FUND – I CLASS OTHER INVESTMENTS |
| RETIREMENT I 2030 FUND – I CLASS OTHER INVESTMENTS |
| RETIREMENT I 2035 FUND – I CLASS OTHER INVESTMENTS |
| RETIREMENT I 2040 FUND – I CLASS OTHER INVESTMENTS |
| RETIREMENT I 2045 FUND – I CLASS OTHER INVESTMENTS |
| RETIREMENT I 2050 FUND – I CLASS OTHER INVESTMENTS |
| RETIREMENT I 2055 FUND – I CLASS OTHER INVESTMENTS |
| RETIREMENT I 2060 FUND – I CLASS OTHER INVESTMENTS |
| T. ROWE PRICE RETIREMENT I 2010 OTHER INVESTMENTS |
| T. ROWE PRICE RETIREMENT I 2015 OTHER INVESTMENTS |
| VANGUARD EQUITY INCOME FUND ADMIRAL SHARES OTHER INVESTMENTS |
| VANGUARD 500 INDEX FD ADMIRAL SHS OTHER INVESTMENTS |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| American Funds |
| Dodge & Cox |
| Fidelity |
| John Hancock |
| Morley Stable |
| Vanguard |
| Macquarie |
| American Century |
| T. Rowe Price |
| Ascensus Trust 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 OTO DEVELOPMENT 401K 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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