PLATFORM SCIENCE, INC. 401(K) PLAN Investment Options
Available Funds in PLATFORM SCIENCE, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in PLATFORM SCIENCE, 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 |
|---|
| Vanguard FTSE Developed Markets Registered Investment Company |
| SPDR Portfolio S&P 500 ETF Registered Investment Company |
| Vanguard FTSE Emerging Markets Registered Investment Company |
| SPDR Portfolio S&P 400 Mid Cap Registered Investment Company |
| SPDR Portfolio S&P 600 Small Cap ETF Registered Investment Company |
| iShares Emerging Markets USD Bond ETF Registered Investment Company |
| Goldman Sachs ActiveBeta US Large Cap Equity Registered Investment Company |
| SPDR S&P Kensho New Economies Composite ETF Registered Investment Company |
| Vanguard Value ETF Registered Investment Company |
| Vanguard Small-Cap Value ETF Registered Investment Company |
| Vanguard Mid-Cap Value ETF Registered Investment Company |
| iShares 0-5 Year TIPS Bond ETF Registered Investment Company |
| Goldman Sachs TreasuryAccess 01 Year ETF Registered Investment Company |
| JPMorgan Ultra-Short Income Registered Investment Company |
| Goldman Sachs ActiveBeta International Equity Registered Investment Company |
| iShares ESG Aware MSCI USA ETF Registered Investment Company |
| Vanguard U.S. Large-cap Growth Equity ETF Registered Investment Company |
| Goldman Sachs ActiveBeta Europe Equity ETF Registered Investment Company |
| Vanguard Short-Term Inflation-Protected Securities ETF Registered Investment Company |
| iShares ESG Aware MSCI EAFE ETF Registered Investment Company |
| Goldman Sachs ActiveBeta Emerging Markets Equity Registered Investment Company |
| Goldman Sachs ActiveBeta Japan Equity ETF Registered Investment Company |
| Goldman Sachs Access Investment Grade Corporate Bond ETF Registered Investment Company |
| Schwab U.S. REIT ETF Registered Investment Company |
| Vanguard Dividend Appreciation ETF Registered Investment Company |
| Invesco QQQ Trust Registered Investment Company |
| Goldman Sachs Access U.S. Aggregate Bond ETF Registered Investment Company |
| Goldman Sachs ActiveBeta US Small Cap Equity ETF Registered Investment Company |
| iShares ESG Aware MSCI EM ETF Registered Investment Company |
| Vanguard LongTerm Government Bond Registered Investment Company |
| iShares ESG Aware U.S. Aggregate Bond ETF Registered Investment Company |
| Goldman Sachs Access Emerging Markets USD Bond ETF Registered Investment Company |
| GraniteShares Bloomberg Commodity Broad Strategy No K-1 ETF Registered Investment Company |
| TCW Transform 500 ETF Registered Investment Company |
| iShares ESG Aware MSCI USA Small-Cap ETF Registered Investment Company |
| iShares MSCI ACWI Low Carbon Target ETF Registered Investment Company |
| Schwab U.S. Broad Market ETF Registered Investment Company |
| Xtrackers USD High Yield Corporate Bond Registered Investment Company |
| iShares ESG Aware USD Corporate Bond ETF Registered Investment Company |
| SPDR S&P 500 Fossil Fuel Reserves Free ETF Registered Investment Company |
| Goldman Sachs Access Inflation Protected USD Bond ETF Registered Investment Company |
| iShares Trust iShares USD Green Bond ETF Registered Investment Company |
| SPDR MSCI EAFE Fossil Fuel Free ETF Registered Investment Company |
| iShares Core MSCI EAFE ETF Registered Investment Company |
| iShares Fallen Angels USD Bond ETF Registered Investment Company |
| iShares Trust iShares 5-10 Year Investment Grade Corporate Bond ETF Registered Investment Company |
| iShares 0-5 Year High Yield Corporate Bond ETF Registered Investment Company |
| Goldman Sachs Access High Yield Corporate Bond ETF Registered Investment Company |
| iShares Investment Grade Systematic Bond ETF Registered Investment Company |
| iShares J.P. Morgan EM High Yield Bond ETF Registered Investment Company |
| iShares National AMT-Free Muni Bond ETF Registered Investment Company |
| iShares 1-3 Year Treasury Bond ETF Registered Investment Company |
| iShares Broad USD High Yield Corporate Bond ETF Registered Investment Company |
| iShares High Yield Systematic Bond ETF Registered Investment Company |
| iShares 10+ Year Investment Grade Corporate Bond ETF Registered Investment Company |
| iShares Treasury Floating Rate Bond ETF Registered Investment Company |
| iShares 20 Year Treasury Bond Registered Investment Company |
| iShares Short-Term Treasury Bond ETF 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 PLATFORM SCIENCE, 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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