PERLO CONSTRUCTION GROUP RETIREMENT PLAN Investment Options
Available Funds in PERLO CONSTRUCTION GROUP RETIREMENT PLAN
Below is the lineup of investment options available to participants in PERLO CONSTRUCTION GROUP 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 |
|---|
| State Street Target Ret 2065 Pooled separate account |
| State Street Target Ret 2060 Pooled separate account |
| State Street Target Ret 2055 Pooled separate account |
| State Street Target Ret 2050 Pooled separate account |
| State Street Target Ret 2045 Pooled separate account |
| State Street Target Ret 2040 Pooled separate account |
| State Street Target Ret 2035 Pooled separate account |
| State Street Target Ret 2030 Pooled separate account |
| State Street Target Ret 2025 Pooled separate account |
| State Street Target Ret 2020 Pooled separate account |
| JH Multi-Index LS Aggressive Pooled separate account |
| JH Multi-Index LS Growth Pooled separate account |
| JH Multi-Index LS Balanced Pooled separate account |
| JH Multi-Index LS Moderate Pooled separate account |
| 500 Index Fund Pooled separate account |
| AF Capital Income Builder Pooled separate account |
| American Funds New World Fund Pooled separate account |
| American Funds SMALLCAP World Pooled separate account |
| BlackRock Global Allocation Pooled separate account |
| Capital Appreciation Fund Pooled separate account |
| Capital World Growth & Income Pooled separate account |
| DFA Emerging Markets Value Pooled separate account |
| High Yield Fund Pooled separate account |
| Intl Equity Index Fund Pooled separate account |
| Invesco International Bond Pooled separate account |
| iShares Gold Trust ETF Pooled separate account |
| John Hancock Disciplined Value Pooled separate account |
| Carried forward |
| Brought forward |
| JPMorgan US Equity Fund Pooled separate account |
| Mid Cap Index Fund Pooled separate account |
| Mutual Global Discovery Pooled separate account |
| Nuveen Large-Cap Growth Index Pooled separate account |
| Real Est. Securities Fund Pooled separate account |
| Small Cap Index Fund Pooled separate account |
| Sprott Gold Fund Pooled separate account |
| Strategic Income Opp Fund Pooled separate account |
| Vanguard Balanced Index Fund Pooled separate account |
| Vanguard Mid-Cap Growth ETF Pooled separate account |
| Vanguard Mid-Cap Value ETF Pooled separate account |
| Vanguard Small Cap Grow Index Pooled separate account |
| Vanguard Small Cap Value Index Pooled separate account |
| through May 2044 -0- |
| SSgA FM State Street Target Ret 2060 |
| SSgA FM State Street Target Ret 2055 |
| SSgA FM State Street Target Ret 2050 |
| SSgA FM State Street Target Ret 2045 |
| SSgA FM State Street Target Ret 2040 |
| SSgA FM State Street Target Ret 2035 |
| SSgA FM State Street Target Ret 2030 |
| SSgA FM State Street Target Ret 2025 |
| SSgA FM State Street Target Ret 2020 |
| John Hancock JH Lifestyle Blend Aggressive |
| John Hancock JH Lifestyle Blend Growth |
| John Hancock JH Lifestyle Blend Balanced |
| John Hancock JH Lifestyle Blend Moderate |
| American Funds New World Fund |
| American Funds SMALLCAP World |
| DFA Capital Appreciation Fund |
| iShares DFA Emerging Markets Value |
| John Hancock iShares Gold Trust ETF |
| Deutsche Asset Mgmt Mid Cap Index Fund |
| John Hancock Nuveen Large-Cap Growth Index |
| Sprott Real Est. Securities Fund |
| Vanguard Small Cap Index Fund |
| Vanguard Sprott Gold Equity Fund |
| Vanguard Mid-Cap Growth ETF |
| Vanguard Mid-Cap Value ETF |
| John Hancock Vanguard Small Cap Grow Index |
| American Funds Vanguard Small Cap Value Index |
| American Funds 500 Index Fund |
| Franklin Templeton Capital World Growth & Income |
| SSgA FM Mutual Global Discovery |
| John Hancock Intl Equity Index Fund |
| JP Morgan John Hancock Disciplined Value |
| TIAA-CREG JPMorgan U.S. Equity Fund |
| American Funds AF Capital Income Builder |
| BlackRock Global Allocation |
| Vanguard Balanced Index Fund |
| John Hancock High Yield Fund |
| Invesco International Bond |
| John Hancock Strategic Income Opp Fund |
| maturing 2025 – 2044 |
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 PERLO CONSTRUCTION GROUP 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
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