SERVICON SYSTEMS, INC. 401(K) PLAN Investment Options
Available Funds in SERVICON SYSTEMS, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in SERVICON SYSTEMS, INC. 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 |
|---|
| Delaware VIP Small Cap Value Series |
| DWS DWS Capital Growth VIP |
| Fidelity Investments Fidelity VIP Contrafund Portfolio |
| Fidelity Investments Fidelity VIP Equity-Income Portfolio |
| Fidelity Investments Fidelity VIP Mid Cap Portfolio |
| Goldman Sachs VIT Funds Goldman Sachs VIT Small Cap Equity Insights Fund |
| Goldman Sachs VIT Funds Goldman Sachs VIT US Equity Insights Fund |
| Invesco Oppenheimer Invesco V.I. Main Street Fund |
| MFS VIT III Mid Cap Value Portfolio |
| Mutual of America Investment Corporation MoA Aggressive Allocation Fund |
| Mutual of America Investment Corporation MoA All America Fund |
| Mutual of America Investment Corporation MoA Clear Passage 2020 Fund |
| Mutual of America Investment Corporation MoA Clear Passage 2025 Fund |
| Mutual of America Investment Corporation MoA Clear Passage 2030 Fund |
| Mutual of America Investment Corporation MoA Clear Passage 2035 Fund |
| Mutual of America Investment Corporation MoA Clear Passage 2040 Fund |
| Mutual of America Investment Corporation MoA Clear Passage 2045 Fund |
| Mutual of America Investment Corporation MoA Clear Passage 2050 Fund |
| Mutual of America Investment Corporation MoA Clear Passage 2055 Fund |
| Mutual of America Investment Corporation MoA Clear Passage 2060 Fund |
| Mutual of America Investment Corporation MoA Clear Passage 2065 Fund |
| Mutual of America Investment Corporation MoA Conservative Allocation Fund |
| Mutual of America Investment Corporation MoA Core Bond Fund |
| Mutual of America Investment Corporation MoA Equity Index Fund |
| Mutual of America Investment Corporation MoA Intermediate Bond Fund |
| Mutual of America Investment Corporation MoA International Fund |
| Mutual of America Investment Corporation MoA Mid Cap Equity Index Fund |
| Mutual of America Investment Corporation MoA Mid Cap Value Fund |
| Mutual of America Investment Corporation MoA Moderate Allocation Fund |
| Mutual of America Investment Corporation MoA Retirement Income Fund |
| Mutual of America Investment Corporation MoA Small Cap Equity Index Fund |
| Mutual of America Investment Corporation MoA Small Cap Growth Fund |
| Mutual of America Investment Corporation MoA Small Cap Value Fund |
| Neuberger Berman Neuberger Berman AMT Sustainable Equity Portfolio |
| PIMCO VIT Real Return Portfolio |
| T. Rowe Price Blue Chip Growth Portfolio |
| The Vanguard Group Vanguard VIF Diversified Value Portfolio |
| The Vanguard Group Vanguard VIF International Portfolio |
| Victory Funds Victory RS Small Cap Growth Equity VIP Series |
| Mutual of America Investment Corporation Mutual of America Interest Accumulation |
| Notes receivable from participants Interest rate of 5.25% wth maturity in December 2026 |
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 SERVICON SYSTEMS, INC. 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
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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