SBA DEFINED CONTRIBUTION PLAN FOR C&F MORTGAGE Investment Options
Available Funds in SBA DEFINED CONTRIBUTION PLAN FOR C&F MORTGAGE
Below is the lineup of investment options available to participants in SBA DEFINED CONTRIBUTION PLAN FOR C&F MORTGAGE. 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 Europacific Growth R6 6,122 shares |
| Cohen&Steers Real Est S Fd Z 9,595 shares |
| Fid US Bd Id Fd 81,742 shares |
| Fidelity 500 Index Fund 20,023 shares |
| Fidelity Ext Mkt Index Fund 11,386 shares |
| Fidelity Tot Intl Idx Fund 94,639 shares |
| JPMorgan Emrg Mkts Eqty Fd R6 11,388 shares |
| JPMorgan Mid Cap Growth Fd R6 9,961 shares |
| PIMCO RAE US Small Ins 37,369 shares |
| PIMCO Real Return Fund Ins 24,899 shares |
| Vangrd Equity Income Fund Adm 5,967 shares |
| Victory Sycmr Est VI Fd R6 4,713 shares |
| Voya Gv Mny Mkt F A (Hld Acct) 33,408 shares |
| Voya Intermediate Bond Fund R6 97,922 shares |
| Wasatch Core Growth Fd Inst 3,501 shares |
| Gldmn Sachs St VI Cl Tr Is S S 310,419 shares |
| Vangrd Trgt Retire 2025 Tr II 6,757 shares |
| Vangrd Trgt Retire 2030 Tr II 10,909 shares |
| Vangrd Trgt Retire 2035 Tr II 26,074 shares |
| Vangrd Trgt Retire 2040 Tr II 20,135 shares |
| Vangrd Trgt Retire 2045 Tr II 5 shares |
| Vangrd Trgt Retire 2050 Tr II 52,652 shares |
| Vangrd Trgt Retire 2065 Tr II 5 shares |
| Vangrd Trgt Retire 2070 Tr II 109,158 shares |
| Vangrd Trgt Retire Inc Tr II 4,321 shares |
| Wlmng Tr MFS Gr CIT S 129,382 shares |
| Guaranteed Interest Fund Guaranteed Investment Contract |
| American Funds EuroPacific R6 Registered Investment Company |
| Cohen&Steers Real Est S Fd Z Registered Investment Company |
| Fid US Bd Id Fd Registered Investment Company |
| Fidelity 500 Index Fund Registered Investment Company |
| Fidelity Ext Mkt Index Fund Registered Investment Company |
| Fidelity Tot Intl Idx Fund Registered Investment Company |
| JPMorgan Emrg Mkts Eqty Fd R6 Registered Investment Company |
| JPMorgan Mid Cap Growth Fd R6 Registered Investment Company |
| PIMCO RAE US Small Ins Registered Investment Company |
| PIMCO Real Return Fund Ins Registered Investment Company |
| Vangrd Equity Income Fund Adm Registered Investment Company |
| Victory Sycmr Est Vl Fd R6 Registered Investment Company |
| Voya Gv Mny Mkt F A (Hld Acct) Registered Investment Company |
| Voya Intermediate Bond Fund R6 Registered Investment Company |
| Wasatch Core Growth Fd Inst 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 SBA DEFINED CONTRIBUTION PLAN FOR C&F MORTGAGE. 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
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