PVE, LLC 401K PLAN Investment Options
Available Funds in PVE, LLC 401K PLAN
Below is the lineup of investment options available to participants in PVE, LLC 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 Option List |
|---|
| Alerus Financial American Balanced Fund $ (AABNX) |
| Alerus Financial Blackrock Global Allocation I (MGJAX) |
| Alerus Financial Blackrock Mid Cap Growth Eq K (CMGIX) |
| Alerus Financial American Funds Income fund of America R6 (FFIFX) |
| Alerus Financial American Funds High Income Trust Fund (FAHHX) |
| Alerus Financial Vanguard Target Date 2025 (VTTVX) |
| Alerus Financial Vanguard Target Date 2035 (VTTHX) |
| Alerus Financial Vanguard Target Date 2045 (VTIVX) |
| Alerus Financial Vanguard Target Date 2055 (VFFVX) |
| Alerus Financial Vanguard Target Date 2065 (VSXFX) |
| Alerus Financial Vanguard Target Retirement Income (VTINX) |
| Alerus Financial PIMCO Real Return Institutional Fund (PRLPX) |
| Alerus Financial PIMCO International Bond Fund |
| Alerus Financial Columbia SEL Mid Cap Value (HLDEX) |
| Alerus Financial Growth Fund of America |
| Alerus Financial Investment Company of America (FFICX) |
| Alerus Financial PIMCO Commodity Real Return Strategy Fund (HACMX) |
| Alerus Financial T Rowe Price Small Cap Value Fund (PRSVX) |
| Alerus Financial Vanguard REIT (VGSIX) |
| Alerus Financial Vanguard Equity Income Fund (VEIPX) |
| Alerus Financial Vanguard Explorer Fund (VINEX) |
| Alerus Financial Vanguard Index Trust Mid Cap (VIMSX) |
| Alerus Financial Vanguard Small Cap Value (VISVX) |
| Alerus Financial Vanguard 500 Index Admiral FD (VFINX) |
| Alerus Financial Capital World Growth and Income Fund (RWIFX) |
| Alerus Financial Dimensional Emerging Markets Fund |
| Alerus Financial EuroPacific Growth Fund |
| Alerus Financial New Perspective Fund (RNPFX) |
| Alerus Financial Small Cap World Fund (MSVVX) |
| Alerus Financial Federated Capital Preservation Fund |
| Participant Notes Receivable Due 07/2029; Rates 4.25% – 9.50% – |
| Alerus Financial, NA AF AMERICAN BALANCED R6 |
| Alerus Financial, NA AF AMERICAN HIGH INCOME R6 |
| Alerus Financial, NA AF CAPITAL WORLD GR & INC R6 |
| Alerus Financial, NA AF EUROPACIFIC GROWTH R6 |
| Alerus Financial, NA AF GROWTH FUND OF AMERICA R6 |
| Alerus Financial, NA AF INCOME FUND OF AMERICA R6 |
| Alerus Financial, NA AF INVESTMENT CO OF AMERICA R6 |
| Alerus Financial, NA AF NEW PERSPECTIVE R6 |
| Alerus Financial, NA AF SMALLCAP WORLD R6 |
| Alerus Financial, NA BLACKROCK MID-CAP GRTH EQUITY (CMGIX) |
| Alerus Financial, NA BLKROCK GBL ALLOCATION |
| Alerus Financial, NA COLUMBIA SEL MID CAP VAL INSTL |
| Alerus Financial, NA DFA EMERG MARKETS CORE EQ I (DFESX) |
| Alerus Financial, NA FEDERATED HERMES CAPITAL PRES |
| Alerus Financial, NA PIMCO COMM REAL RET STRAT INST |
| Alerus Financial, NA PIMCO INTL BOND(UNHEDGED) INST |
| Alerus Financial, NA PIMCO REAL RETURN INSTL (PRLPX) |
| Alerus Financial, NA T. ROWE PRICE SMALL CAP VALUE (PRSVX) |
| Alerus Financial, NA VANG SMALL CAP VALUE INDEX (MSVVX) |
| Alerus Financial, NA VANG TARGET RETIREMENT 2065 |
| Alerus Financial, NA VANG TARGET RETIREMENT INCOME (VTINX) |
| Alerus Financial, NA VANGUARD 500 INDEX (VFINX) |
| Alerus Financial, NA VANGUARD EQUITY INCOME INV (VEIPX) |
| Alerus Financial, NA VANGUARD EXPLORER INV |
| Alerus Financial, NA VANGUARD MID CAP INDEX ADML (VIMSX) |
| Alerus Financial, NA VANGUARD TRGT RETIRE 2025 INV |
| Alerus Financial, NA VANGUARD TRGT RETIRE 2035 INV |
| Alerus Financial, NA VANGUARD TRGT RETIRE 2045 INV |
| Alerus Financial, NA VANGUARD TRGT RETIRE 2055 INV |
| Alerus Financial, NA LOAN FUND |
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 PVE, LLC 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% | … | … |
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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