PREMPLOYER, INC. MULTIPLE EMPLOYER PLAN Investment Options
Available Funds in PREMPLOYER, INC. MULTIPLE EMPLOYER PLAN
Below is the lineup of investment options available to participants in PREMPLOYER, INC. MULTIPLE EMPLOYER 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 |
|---|
| varying maturity dates. |
| BlackRock BTMKX – iShares MSCI EAFE International Index Fund Class K |
| Dimensional Fund Advisors DFSVX – DFA Us Small Cap Value I | Dfsvx |
| Fidelity FCPGX – Fidelity Small Cap Growth |
| Fidelity FIPDX – Fidelity Inflation-Protected Bond Index |
| Goldman Sachs GSIPX – Gsipx – Goldman Sachs Infl Protected Secs Instl |
| JPMorgan JLGMX – JPMorgan Large Cap Growth Fund Class R6 |
| JPMorgan JUSMX – JPMorgan Us Small Company Cl R6 |
| Massmutual MGRFX – Massmutual Select Mid Cap Growth Equity |
| American Funds RAFGX – American Funds Amcap R6 |
| American Funds RBFGX – American Funds Bond Fund Of America R6 |
| American Funds RCWGX – American Funds Capital World Bond R6 |
| American Funds RERGX – American Funds EuroPacific Growth Fund Class R6 |
| American Funds RFDTX – American Funds 2025 |
| American Funds RFETX – American Funds 2030 Target Date |
| American Funds RFFTX – American Funds 2035 Target Date |
| American Funds RFGTX – American Funds 2040 Target Date |
| American Funds RFHTX – American Funds 2045 Target Date |
| American Funds RFITX – American Funds 2050 Target Date |
| American Funds RFJTX – American Funds Target Date 2015 |
| American Funds RFKTX – American Funds 2055 Target |
| American Funds RFUTX – American Fund Target Date 2060 |
| American Funds RICGX – American Funds The Inv. Co. Of America |
| American Funds RIGGX – American Int'L Growth And Income R6 |
| American Funds RITGX – American High-Incometrust – R6 Shr Cl |
| American Funds RLBGX – American Funds American Balanced R6 |
| American Funds RNPGX – American Funds New Perspective R6 |
| American Funds RNWGX – American Funds New World R6 |
| American Funds RWMGX – American Funds Washington Mutual R6 |
| Vanguard VBILX – Vanguard Intermediate-Term Bond Index Fund Admiral Shares |
| Vanguard VCSAX – Vanguard Consumer Staples Index |
| Vanguard VEMAX – Vanguard Emerging Markets Stock Index Fund Admiral Shares |
| Vanguard VFFVX – Vanguard Target Retirement 2055 Fund Investor Shares |
| Vanguard VFIFX – Vanguard Target Retirement 2050 Fund Investor Shares |
| Vanguard VFORX – Vanguard Target Retirement 2040 Fund Investor Shares |
| Vanguard VIGAX – Vanguard Growth Index Admiral |
| Vanguard VIMAX – Vanguard Mid-Cap Index Fund Admiral Shares |
| Vanguard VLXVX – Vanguard Target Retirement 2065 Inv |
| Vanguard VMGMX – Vanguard Mid-Cap Growth Index Fund Admiral Shares |
| Vanguard VMVAX – Vanguard Mid Cap Value Index Admiral |
| Vanguard VSGAX – Vanguard Small-Cap Growth Index Fund Admiral Shares |
| Vanguard VSIAX – Vanguard Small Cap Value Index Fund Admiral Shares |
| Vanguard VSMAX – Vanguard Small-Cap Index Fund Admiral Shares |
| Vanguard VTHRX – Vanguard Target Retirement 2030 |
| Vanguard VTIVX – Vanguard Target Retirement 2045 |
| Vanguard VTMGX – Vanguard Developed Market Index Fund Admiral Shares |
| Vanguard VTTHX – Vanguard Target Retirement 2035 Fund Investor Shares |
| Vanguard VTTSX – Vanguard Target Retirement 2060 Fund Investor Shares |
| Vanguard VTTVX – Vanguard Target Retirement 2025 |
| Vanguard VTWNX – Vanguard Target Retirement 2020 |
| Vanguard VUIAX – Vanguard Utilities Index Admiral |
| Vanguard VVIAX – Vanguard Value Index Fund Admiral Shares |
| Wells Fargo WFPRX – Wells Fargo Special Mid Cap Value R6 |
| Loan LOAN – Loan 4.25% – 9.50% |
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 PREMPLOYER, INC. MULTIPLE EMPLOYER 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
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