PLATINUM 401(K) PLAN Investment Options
Available Funds in PLATINUM 401(K) PLAN
Below is the lineup of investment options available to participants in PLATINUM 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 |
|---|
| American Funds New World R6 |
| BlackRock LifePath Index 2030 K |
| BlackRock LifePath Index 2035 K |
| BlackRock LifePath Index 2040 K |
| BlackRock LifePath Index 2045 K |
| BlackRock LifePath Index 2050 K |
| BlackRock LifePath Index 2055 K |
| BlackRock LifePath Index 2060 K |
| BlackRock LifePath Index Retirement K |
| Columbia Small Cap Growth |
| Guggenheim Core Bond Fund Inst |
| Invesco Nasdaq 100 Index R6 |
| Invesco Small Cap Value R6 |
| iShares Russell 2000 Small-Cap Index K |
| iShares Russell Mid-Cap Index K |
| iShares S&P 500 Index K |
| Janus Henderson Enterprise N |
| JPMorgan Equity Income R6 |
| MFS Intl Diversification R6 |
| PGIM High-Yield R6 |
| Pimco Commodity Real Ret Strat Instl |
| Pimco Income Instl |
| Pimco Int Bond (USD-Hedged) Inst |
| Pimco Real Return Instl |
| TransAmerica Mid Cap Value Opps R6 |
| investment purposes |
| 1LIRKX 751,187.86 |
| 1LINKX 672,106.48 |
| 1LIJKX 525,892.90 |
| 1LIKKX 1,147,860.65 |
| 1LIHKX 440,519.57 |
| 1LIPKX 450,430.00 |
| 1LIVKX 504,848.76 |
| 1LIZKX 54,668.28 |
| 1RNWGX 56,342.32 |
| 1BDOKX 90,914.21 |
| 1MDIZX 91,482.92 |
| 1PCRIX1 18,971.63 |
| 1BDBKX 42,436.04 |
| 1CSGYX 8,028.96 |
| 1SMVSX 9,568.06 |
| 1BRMKX 68,327.03 |
| 1JDMNX 26,917.92 |
| 1MVTRX 11,787.23 |
| 1WFSPX 758,496.95 |
| 1IVNQX 58,374.64 |
| 1OIEJX 36,675.07 |
| 1GIUSX 62,073.92 |
| 1PFORX 5,713.44 |
| 1PIMIX 20,546.32 |
| 1PRRIX 27,226.64 |
| 1PHYQX 2,267.83 |
| 1PCSV25 42,158.48 |
| FORFEITURES 250.75 |
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 PLATINUM 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
- more …
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