PEGASYSTEMS INC. 401(K) PLAN Investment Options
Available Funds in PEGASYSTEMS INC. 401(K) PLAN
Below is the lineup of investment options available to participants in PEGASYSTEMS INC. 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 |
|---|
| CAPITAL GROUP EUROPACIFIC GROWTH SA Pooled Separate Investment Account |
| T.ROWE PRICE BLUE CHIP GROWTH FUND (IS) Pooled Separate Investment Account |
| MID CAP GROWTH / ARTISAN PARTNERS FUND Pooled Separate Investment Account |
| INVESCO GLOBAL STRATEGY FUND SA Pooled Separate Investment Account |
| 1RFTTX 472,067.40 |
| 1RFJTX 869,228.82 |
| 1RRCTX 2,947,606.13 |
| 1RFDTX 10,925,811.52 |
| 1RFETX 14,804,793.18 |
| 1RFFTX 18,477,874.45 |
| 1RFGTX 19,031,669.18 |
| 1RFHTX 16,131,832.01 |
| 1RFITX 17,724,305.09 |
| 1RFKTX 5,389,192.33 |
| 1RFUTX 6,328,921.73 |
| 1RFVTX 326,401.34 |
| 1DOXFX 21,466,301.05 |
| 1VTSNX 21,020,095.85 |
| 1M0002A 22,125,971.05 |
| 1M0053A 4,762,310.66 |
| 1ANODX 6,237,080.38 |
| 1RYTRX 6,264,502.10 |
| 1VSCIX 18,632,930.98 |
| 1JDPNX 8,350,324.23 |
| 1VMCIX 18,127,275.88 |
| 1M0088A 16,137,973.81 |
| 1PEIYX 11,424,926.86 |
| 1RGAGX 27,036,607.58 |
| 1RWMGX 13,097,246.08 |
| 1VFTAX 2,529,927.29 |
| 1INSIDX 81,035,014.49 |
| 1M0045A 20,315,153.31 |
| 1DSBFX 239,753.56 |
| 1PHDAX 8,336,735.93 |
| 1PTTAX 19,756,854.94 |
| 1VBIMX 8,853,116.49 |
| 1PCSV10 24,943,288.75 |
| FORFEITURES 405,317.79 |
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 PEGASYSTEMS INC. 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% | … | … |
Get Key Insights for This Plan
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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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