SECURITY 1ST TITLE 401(K) PLAN Investment Options
Available Funds in SECURITY 1ST TITLE 401(K) PLAN
Below is the lineup of investment options available to participants in SECURITY 1ST TITLE 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 |
|---|
| Voya AB Global Bond Fund Z |
| Voya American Funds AMCAP Fund R6 |
| Voya American Funds Fundamental Inv R6 |
| Voya American Funds New Perspective R6 |
| Voya American Funds Wash Mutual R6 |
| Voya Clear Bridge Small-Cap Growth Fund IS |
| Voya DFA Inflation-Prot Sec Port Ins |
| Voya DFA US Targeted Vl Port Ins |
| Voya MFS Mid Cap Value Fund R6 |
| Voya PGIM High Yield Fund R6 |
| Voya PIMCO Income Fund Ins |
| Voya Vanguard 500 Index Fund Admiral |
| Voya Vanguard Balanced Index Fund Admiral |
| Voya Vanguard Em Markets Stock Index Fund Admiral |
| Voya Vanguard LifeStrategy Cns Growth Fund Inv |
| Voya Vanguard LifeStrategy Growth Fund Inv |
| Voya Vanguard LifeStrategy Inc Fund Inv |
| Voya Vanguard LifeStrategy Md Growth Fund Inv |
| Voya Vanguard Mid-Cap Index Fund Admiral |
| Voya Vanguard Small-Cap Index Fund Admiral |
| Voya Voya Fixed Account |
| Voya Voya Index Solution 2025 Portfolio Class Z |
| Voya Voya Index Solution 2030 Portfolio Class Z |
| Voya Voya Index Solution 2035 Portfolio Class Z |
| Voya Voya Index Solution 2040 Portfolio Class Z |
| Voya Voya Index Solution 2045 Portfolio Class Z |
| Voya Voya Index Solution 2050 Portfolio Class Z |
| Voya Voya Index Solution 2055 Portfolio Class Z |
| Voya Voya Index Solution 2060 Portfolio Class Z |
| Voya Voya Index Solution 2065 Portfolio Class Z |
| Voya Voya Index Solution Income Portfolio Class Z |
| Voya Voya Intermediate Bond Fund R6 |
| Voya Voya Mid Cap Opport Port R6 |
| from 5.25% to 10.50% and maturity dates through 2029. |
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 SECURITY 1ST TITLE 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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- 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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