PATHWAY CAPITAL MANAGEMENT SALARY SAVINGS PLAN Investment Options
Basic steps for PATHWAY CAPITAL MANAGEMENT SALARY SAVINGS 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 PATHWAY CAPITAL MANAGEMENT SALARY SAVINGS 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
PATHWAY CAPITAL MANAGEMENT SALARY SAVINGS PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
Total Available Funds: 49
| Investment Description |
|---|
| VANG VMMR-FED MMKT MONEY MARKET FUND |
| VANG ULT SHT BD ADM MUTUAL FUND |
| VANG FTSE AWSCI ADM MUTUAL FUND |
| TRP GLOBAL TECH MUTUAL FUND |
| PIM TOTAL RT INST MUTUAL FUND |
| DFA INTL VALUE I MUTUAL FUND |
| PIONEER STRAT INC Y MUTUAL FUND |
| PIM REAL RETURN INST MUTUAL FUND |
| VANG HI YLD CORP ADM MUTUAL FUND |
| PIM GLB BD OP US H I MUTUAL FUND |
| AS DISC SMID CPGR R6 MUTUAL FUND |
| THORNBURG INTL GR R6 MUTUAL FUND |
| MFS UTILITIES R6 MUTUAL FUND |
| MFS INTL INTR VAL R6 MUTUAL FUND |
| DAVIS FINANCIAL Y MUTUAL FUND |
| MFS GROWTH R6 MUTUAL FUND |
| I O INTL GROWTH R6 MUTUAL FUND |
| FKLN HIGH INCOME R6 MUTUAL FUND |
| JH DISCPL VALUE R6 MUTUAL FUND |
| CBA SM CAP GR IS MUTUAL FUND |
| INVS DEVELOP MKT R6 MUTUAL FUND |
| JH DSCPL VAL MDCP R6 MUTUAL FUND |
| FID GOVT MMKT MONEY MARKET FUND |
| FID SEL ENERGY MUTUAL FUND |
| FID SEL HEALTHCARE MUTUAL FUND |
| FID US BOND IDX MUTUAL FUND |
| FID 500 INDEX MUTUAL FUND |
| FID EMRG MKTS IDX MUTUAL FUND |
| FID MID CAP IDX MUTUAL FUND |
| FID REAL ESTATE IDX MUTUAL FUND |
| FID SM CAP IDX MUTUAL FUND |
| FID TOTAL MKT IDX MUTUAL FUND |
| FID FDM IDX INC IPR MUTUAL FUND |
| FID FDM IDX 2015 IPR MUTUAL FUND |
| FID FDM IDX 2020 IPR MUTUAL FUND |
| FID FDM IDX 2025 IPR MUTUAL FUND |
| FID FDM IDX 2030 IPR MUTUAL FUND |
| FID FDM IDX 2035 IPR MUTUAL FUND |
| FID FDM IDX 2040 IPR MUTUAL FUND |
| FID FDM IDX 2045 IPR MUTUAL FUND |
| FID FDM IDX 2050 IPR MUTAL FUND |
| FID FDM IDX 2055 IPR MUTUAL FUND |
| FID FDM IDX 2060 IPR MUTUAL FUND |
| FID LG CAP GR IDX MUTUAL FUND |
| FID LG CAP VAL IDX MUTUAL FUND |
| FID TOTAL INTL IDX MUTUAL FUND |
| FID SM CAP GR IDX MUTUAL FUND |
| FID SM CAP VAL IDX MUTUAL FUND |
| FID FDM IDX 2065 IPR MUTUAL FUND |
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: 05/02/2025.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 0.68% | 8.67% | 6.12% | 7.91% | 6.15% | 6.95% | 6.74% | 6.42% |
| Five Core Asset Portfolio | 0.43% | 8.56% | 5.96% | 7.77% | 6.06% | 6.85% | 6.82% | 6.61% |
| Three Core Asset Portfolio | 0.39% | 8.60% | 6.86% | 8.37% | 6.51% | 7.23% | 6.87% | 6.34% |
| Two Core Asset Portfolio | -1.80% | 8.93% | 7.42% | 8.89% | 7.57% | 8.44% | 7.55% | 6.83% |
| Yale Endowment Template | 1.31% | 9.78% | 5.29% | 7.83% | 6.58% | 7.79% | 7.54% | 7.70% |
| S&P 500 Index | -2.96% | 13.66% | 12.59% | 16.59% | 12.29% | 12.91% | 10.28% | 8.34% |
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