PRIMERA ENGINEERS 401K PLAN Investment Options
Available Funds in PRIMERA ENGINEERS 401K PLAN
Below is the lineup of investment options available to participants in PRIMERA ENGINEERS 401K 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 |
|---|
| Columbia High Yield Bond Fund Z 45,160.60 Shares |
| Vanguard Inf-Prt Securities Fund Ad 36,469.43 Shares |
| Voya Intermediate Bond Fund I 91,722.06 Shares |
| Allspring Govt Securities 19,278.69 Shares |
| American Century One Choice 2010 Port Inst 599.33 Shares |
| American Century One Choice 2015 Port Inst 56,859.53 Shares |
| American Century One Choice 2020 Port Inst 27,507.79 Shares |
| American Century One Choice 2025 Port Inst 62,718.61 Shares |
| American Century One Choice 2030 Port Inst 52,570.12 Shares |
| American Century One Choice 2035 Port Inst 110,640.00 Shares |
| American Century One Choice 2040 Port Inst 56,730.08 Shares |
| American Century One Choice 2045 Port Inst 176,443.58 Shares |
| American Century One Choice 2050 Port Inst 89,713.13 Shares |
| American Century One Choice 2055 Port Inst 117,772.32 Shares |
| American Century One Choice 2060 Port Inst 130,097.67 Shares |
| American Century One Choice 2065 Port Inst 1,477.52 Shares |
| American Century One Choice 2075 Port Inst 43.31 Shares |
| American Funds Am Balanced Fund R6 12,640.70 Shares |
| American Funds Wash Mutual Inv Fd R6 18,717.89 Shares |
| Parnassus Core Equity Inst 10,513.66 Shares |
| Vanguard 500 Index Fund Admiral 16,165.48 Shares |
| Baron Discovery Fund R6 5,355.21 Shares |
| DFA US Targeted Value Port Inst 4,219.36 Shares |
| T Rowe Price Blue Chip Growth Fund 17,708.55 Shares |
| Vanguard Mid-Cap Index Fund Adm 5,249.20 Shares |
| Vanguard Small-Cap Index Adm 10,810.76 Shares |
| Victory Syca Established Value Fund 8,561.79 Shares |
| Invesco Developing Markets Fund 9,979.73 Shares |
| Principal Diversified Intl R6 80,264.19 Shares |
| Invesco Disc MC Growth R6 21,400.10 Shares |
| T Rowe Price Intl Discovery Fund 4,338.12 Shares |
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 PRIMERA ENGINEERS 401K 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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