SECURITY PLUS RETIREMENT SAVINGS PLAN Investment Options
Available Funds in SECURITY PLUS RETIREMENT SAVINGS PLAN
Below is the lineup of investment options available to participants in SECURITY PLUS RETIREMENT SAVINGS 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 |
|---|
| FID 500 INDEX Registered Investment Company |
| TRP TARGET 2045 I Registered Investment Company |
| TRP TARGET 2035 I Registered Investment Company |
| TRP TARGET 2030 I Registered Investment Company |
| TRP TARGET 2055 I Registered Investment Company |
| AB LG CAP GRTH Z Registered Investment Company |
| TRP TARGET 2040 I Registered Investment Company |
| TRP TARGET 2025 I Registered Investment Company |
| TRP TARGET 2050 I Registered Investment Company |
| TRP TARGET 2060 I Registered Investment Company |
| VOYA INTERM BOND R6 Registered Investment Company |
| FID MID CAP IDX Registered Investment Company |
| AF NEW PERSPECT R6 Registered Investment Company |
| PUTN LG CAP VAL Y Registered Investment Company |
| VANG EQUITY INC ADM Registered Investment Company |
| FID SM CAP IDX Registered Investment Company |
| MGL EM MKTS EQ I Registered Investment Company |
| MFS INTL GROWTH R6 Registered Investment Company |
| TRP RETIRE BAL I Registered Investment Company |
| JPM MID CAP VALUE R6 Registered Investment Company |
| MFS MID CAP GRTH R6 Registered Investment Company |
| TRP DIVERS MDCP GR I Registered Investment Company |
| AF MOD GR&INC PTF R6 Registered Investment Company |
| MFS RESEARCH INTL R6 Registered Investment Company |
| FKLN UTILITIES R6 Registered Investment Company |
| JPM SM CAP GROWTH R6 Registered Investment Company |
| TRP TARGET 2020 I Registered Investment Company |
| VANG HLTHCARE IDX AD Registered Investment Company |
| INVS GLOBAL R6 Registered Investment Company |
| FKLN SM CAP VALUE R6 Registered Investment Company |
| TRP TARGET 2065 I Registered Investment Company |
| TRP TARGET 2010 I Registered Investment Company |
| BR US DEBT INDEX R Collective Trust |
| S STD STABLE ASSET 2 Guaranteed Investment Contract |
| maturing through January 2030 – |
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 PLUS RETIREMENT SAVINGS 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?
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