PELOTON INTERACTIVE, INC. RETIREMENT PLAN Investment Options
Available Funds in PELOTON INTERACTIVE, INC. RETIREMENT PLAN
Below is the lineup of investment options available to participants in PELOTON INTERACTIVE, INC. RETIREMENT 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 |
|---|
| Vanguard Fiduciary Truat Vanguard Target Ret 2060 II |
| Vanguard Fiduciary Truat Vanguard Target Ret 2020 II |
| Invesco Trust Company Invesco Stable Asset – Adpz |
| Vanguard Fiduciary Truat Vanguard Target Ret 2030 II |
| Vanguard Fiduciary Truat Vanguard Target Ret 2040 II |
| Vanguard Fiduciary Truat Vanguard Target Ret 2025 II |
| Vanguard Fiduciary Truat Vanguard Target Ret Inc II |
| Vanguard Fiduciary Truat Van Target Ret 2045 Trust II |
| Vanguard Fiduciary Truat Vanguard Target Ret 2035 II |
| Vanguard Fiduciary Truat Vanguard Target Ret 2055 II |
| Vanguard Fiduciary Truat Vanguard Target Ret 2070 II |
| Vanguard Fiduciary Truat Vanguard Target Ret 2065 II |
| Vanguard Fiduciary Truat Van Target Ret 2050 Trust II |
| American Funds New World R6 |
| Principal Mid Cap Fund R6 |
| Fidelity Investments Fidelity 500 Index Fund |
| American Century Investments AMC Small Cap Value Fund – R6 |
| BlackRock High Yield Bond K |
| Fidelity Investments Fidelity Large Cap Growth Index |
| JP Morgan JP Morgan Core Plus Bond R6 |
| Dimensional Fund Advisors DFA Inflation Protected Securities Inst |
| Fidelity Investments Fidelity Small Cap Index |
| MFS Mid Cap Value Fund – R6 |
| Columbia Dividend Income I3 |
| Fidelity Investments Fidelity International Index |
| Vanguard Group Vanguard Intermediate Term Bond |
| JP Morgan JPMorgan International Equity R |
| Fidelity Investments Fidelity Mid Cap Index |
| Janus Henderson Investors Janus Henderson Venture Fund |
| Participants notes. – |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| FID 500 IND |
| AMC SMALL CAP VALUE FUND – R6 |
| BLACKROCK HIGH YIELD K |
| FID LARGE CAP GROWTH INDEX |
| JPMORGAN CORE PLUS BOND R6 |
| DFA INFLATION PROT SEC INST |
| FID SMALL CAP INDEX |
| FID INTERNATIONAL INDEX |
| VANGUARD INTERMEDIATE TERM BON |
| JPMORGAN INTERNATIONAL EQTY R6 |
| FID MID CAP INDEX |
| JANUS HENDERSON VENTURE FUND-N |
| INVESCO STABLE ASSET – ADPZ |
| VANGUARD TARGET RET 2055 II |
| VANGUARD TARGET RET 2060 II |
| VANGUARD TARGET RET 2065 II |
| VANGUARD TARGET RET 2070 II |
| VANGUARD TARGET RET INC II |
| VAN TARGET RET 2050 TRUST II |
| VAN TARGET RET 2045 TRUST II |
| VANGUARD TARGET RET 2040 II |
| VANGUARD TARGET RET 2035 II |
| VANGUARD TARGET RET 2030 II |
| VANGUARD TARGET RET 2025 II |
| VANGUARD TARGET RET 2020 II |
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 PELOTON INTERACTIVE, INC. RETIREMENT 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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