PINE MANOR, INC. 401(K) PLAN Investment Options
Available Funds in PINE MANOR, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in PINE MANOR, 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 Option List |
|---|
| American Funds Growth Fund Of America R6 6,131 Shares (FAFGX) |
| American Funds Fundamental Invs R6 1,891 Shares |
| American Funds New Perspective R6 5,273 Shares (FFPNX) |
| Dodge & Cox Income I Fund 25,353 Shares (DODIX) |
| Dodge & Cox Stock I Fund 2,143 Shares (DODFX) |
| Pimco Real Return Fund Class R 4,140 Shares (PRLPX) |
| T Rowe Price Blue Chip Growth Fund 4,383 Shares (TRBCX) |
| Vanguard Emerging Markets Stock Index Fund Adm 670 Shares (VEIEX) |
| Vanguard High-yield Corporate Fund Inv 19,972 Shares (VWEHX) |
| Vanguard Life Strategy Moderate Growth Fund 36,348 Shares (VSMGX) |
| Vanguard Life Strategy Growth Fund I 7,173 Shares |
| Vanguard Life Strategy Income Fund I 17,700 Shares |
| Vanguard Mid Cap Index Fund Admiral 2,100 Shares (VIMSX) |
| Vanguard Small Cap I Fund 5,238 Shares (VISVX) |
| Vanguard Target Retirement Income Inv 8,612 Shares (VTINX) |
| Vanguard Target Retirement 2020 Fund 17,965 Shares (VTWNX) |
| Vanguard Target Retirement 2025 Fund 8,085 Shares (VTTVX) |
| Vanguard Target Retirement 2030 Fund 51,779 Shares (VTHRX) |
| Vanguard Target Retirement 2035 Fund 6,567 Shares (VTTHX) |
| Vanguard Target Retirement 2040 Fund 38,140 Shares (VFORX) |
| Vanguard Target Retirement 2045 Fund 3,633 Shares (VTIVX) |
| Vanguard Target Retirement 2050 Fund 10,149 Shares (VFIFX) |
| Vanguard Target Retirement 2060 Fund Inv 8,381 Shares (VTOVX) |
| Vanguard S&P 500 ETF Fund 3,219 Shares (VFINX) |
| through October 2029 |
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 PINE MANOR, 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% | … | … |
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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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