PDS KO 401(K) PLAN Investment Options
Available Funds in PDS KO 401(K) PLAN
Below is the lineup of investment options available to participants in PDS KO 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 |
|---|
| American Funds American Balanced Fund R6 Pooled Separate Account |
| American Funds New World Fund R6 Pooled Separate Account |
| American Funds International Growth and Income Fund R6 Pooled Separate Account |
| JPMorgan Large Cap Growth Fund R6 Pooled Separate Account |
| MFS Value Fund R6 Pooled Separate Account |
| Vanguard 500 Index Fund Admiral Pooled Separate Account |
| Vanguard Developed Markets Index Fund Admiral Pooled Separate Account |
| Vanguard Small Cap Value Index Admiral Pooled Separate Account |
| Vanguard Mid Cap Index Admiral Pooled Separate Account |
| Vanguard Inflation-Protected Securities Fund Admiral Pooled Separate Account |
| Baird Aggregate Bond Pooled Separate Account |
| Baird Core Plus Bond Pooled Separate Account |
| Baird Ultra Short Bond Pooled Separate Account |
| Franklin Small Cap Growth Fund R6 Pooled Separate Account |
| Lincoln YourPath Passive 2010 Moderate Pooled Separate Account |
| Lincoln YourPath Passive 2015 Moderate Pooled Separate Account |
| Lincoln YourPath Passive 2020 Moderate Pooled Separate Account |
| Lincoln YourPath Passive 2025 Moderate Pooled Separate Account |
| Lincoln YourPath Passive 2030 Moderate Pooled Separate Account |
| Lincoln YourPath Passive 2035 Moderate Pooled Separate Account |
| Lincoln YourPath Passive 2040 Moderate Pooled Separate Account |
| Lincoln YourPath Passive 2045 Moderate Pooled Separate Account |
| Lincoln YourPath Passive 2050 Moderate Pooled Separate Account |
| Lincoln YourPath Passive 2055 Moderate Pooled Separate Account |
| Lincoln YourPath Passive 2060 Moderate Pooled Separate Account |
| Lincoln YourPath Passive 2065 Moderate Pooled Separate Account |
| Lincoln YourPath Passive 2025 Conservative Pooled Separate Account |
| Lincoln YourPath Passive 2030 Conservative Pooled Separate Account |
| Lincoln YourPath Passive 2015 Aggressive Pooled Separate Account |
| Lincoln YourPath Passive 2020 Aggressive Pooled Separate Account |
| Lincoln YourPath Passive 2025 Aggressive Pooled Separate Account |
| Lincoln YourPath Passive 2030 Aggressive Pooled Separate Account |
| Lincoln YourPath Passive 2035 Aggressive Pooled Separate Account |
| Lincoln YourPath Passive 2040 Aggressive Pooled Separate Account |
| Lincoln YourPath Passive 2045 Aggressive Pooled Separate Account |
| Lincoln YourPath Passive 2050 Aggressive Pooled Separate Account |
| Lincoln YourPath Passive 2055 Aggressive Pooled Separate Account |
| Lincoln YourPath Passive 2060 Aggressive Pooled Separate Account |
| Lincoln YourPath Passive Retirement Income Moderate Pooled Separate Account |
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 PDS KO 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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