SCHONFELD 401(K) PLAN Investment Options
Available Funds in SCHONFELD 401(K) PLAN
Below is the lineup of investment options available to participants in SCHONFELD 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 |
|---|
| METLIFE RELIANCE STABLE VALUE FUND |
| VOYA INTERMEDIATE BOND FUND |
| PGIM HIGH YIELD FUND |
| DFA INFLATION PROTECTED SECURITIES PORTFOLIO |
| VANGUARD LONG TERM INVESTMENT GRADE FUND |
| VANGUARD TOTAL INTERNATIONAL BOND INDEX FUND |
| TIAA- CREF LIFECYCLE INDEX 2020 |
| TIAA- CREF LIFECYCLE INDEX 2025 |
| TIAA- CREF LIFECYCLE INDEX 2030 |
| TIAA- CREF LIFECYCLE INDEX 2035 |
| TIAA- CREF LIFECYCLE INDEX 2040 |
| TIAA- CREF LIFECYCLE INDEX 2045 |
| TIAA- CREF LIFECYCLE INDEX 2050 |
| TIAA- CREF LIFECYCLE INDEX 2055 |
| TIAA- CREF LIFECYCLE INDEX 2060 |
| TIC LIFECYCLE INDEX RETIREMENT INCOME FUND |
| VANGUARD LIFESTRATEGY INCOME FUND |
| VANGUARD TAX- MANAGED BALANCED FUND |
| VANGUARD BALANCED INDEX FUND |
| VANGUARD VALUE INDEX FUND |
| VANGUARD 500 INDEX FUND |
| TIAA- CREF LARGE CAP GROWTH INDEX FUND |
| VANGUARD MID- CAP VALUE INDEX FUND |
| BLACKROCK MID- CAP GROWTH EQUITY FUND |
| BNY MELLON SMALL/ MID CAP GROWTH FUND |
| VANGUARD SMALL CAP VALUE INDEX FUND |
| VANGUARD SMALL CAP INDEX FUND |
| JPMORGAN SMALL CAP GROWTH FUND |
| AMERICAN FUNDS EUROPACIFIC GROWTH FUND |
| VANGUARD INTERNATIONAL GROWTH FUND |
| TIAA- CREF EMERGING MARKETS EQUITY INDEX FUND |
| VANGUARD REAL ESTATE INDEX FUND |
| CALVERT BOND FUND R6 |
| CALVERT US LARGE CAP CORE RSPNB IDX R6 |
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 SCHONFELD 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
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