PERFORMANCE SERVICES, INC. THRIFT PLAN Investment Options
Available Funds in PERFORMANCE SERVICES, INC. THRIFT PLAN
Below is the lineup of investment options available to participants in PERFORMANCE SERVICES, INC. THRIFT 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 Am Balanced R6 Registered Investment Company |
| American Funds EuroPacific R6 Registered Investment Company |
| American Funds New World R6 Registered Investment Company |
| American Funds Nw Prspctv R6 Registered Investment Company |
| American Funds Wash Mutual R6 Registered Investment Company |
| ClrBrg SmCp Grw Fd IS Registered Investment Company |
| DFA Intl Core Equity Port Ins Registered Investment Company |
| DFA US Targeted Vl Port Ins Registered Investment Company |
| Gldmn Sachs Int Sm Cp Ins F R6 Registered Investment Company |
| JPMorgan Equity Income Fund R6 Registered Investment Company |
| PGIM High Yield Fund R6 Registered Investment Company |
| PIMCO Income Fund Ins Registered Investment Company |
| Schwab Fdmtl Intl Eq Idx Fd Registered Investment Company |
| TRwPr Blue Chip Growth Fnd I Registered Investment Company |
| TRwPr LCG Fnd I Registered Investment Company |
| TRwPr New Horizons Fund I Registered Investment Company |
| VY TRwPr Cap Apprec Port R6 Registered Investment Company |
| VY TRwPr Divr MdCp Gr Pt R6 Registered Investment Company |
| Vangrd 500 Index Fund Adm Registered Investment Company |
| Vangrd Dev Mkts Index Fd Adm Registered Investment Company |
| Vangrd Energy Fund Adm Registered Investment Company |
| Vangrd Mid-Cap Index Fund Adm Registered Investment Company |
| Vangrd Small-Cap Index Fnd Adm Registered Investment Company |
| Vangrd Trgt Retire 2020 Fd Registered Investment Company |
| Vangrd Trgt Retire 2025 Fd Registered Investment Company |
| Vangrd Trgt Retire 2030 Fd Registered Investment Company |
| Vangrd Trgt Retire 2035 Fd Registered Investment Company |
| Vangrd Trgt Retire 2040 Fd Registered Investment Company |
| Vangrd Trgt Retire 2045 Fd Registered Investment Company |
| Vangrd Trgt Retire 2050 Fd Registered Investment Company |
| Vangrd Trgt Retire 2055 Fd Registered Investment Company |
| Vangrd Trgt Retire 2060 Fd Registered Investment Company |
| Vangrd Trgt Retire 2065 Fd Registered Investment Company |
| Vangrd Trgt Retire 2070 Fd Registered Investment Company |
| Vangrd Trgt Retire Inc Fd Registered Investment Company |
| Vangrd Wellesley Inc Fnd Adm Registered Investment Company |
| Victory Sycmr Est Vl Fd R6 Registered Investment Company |
| Voya Gv Mny Mkt F A (Hld Acct) Registered Investment 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 PERFORMANCE SERVICES, INC. THRIFT 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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