SGI 401(K) PLAN Investment Options
Available Funds in SGI 401(K) PLAN
Below is the lineup of investment options available to participants in SGI 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 |
|---|
| Allspring SMID Cap Growth Retirement Option |
| American Funds AMCAP Retirement Option |
| American Funds American Mutual Retirement Option |
| American Funds Bond Fund of America Retirement Option |
| American Funds Capital World Growth & Income Retirement Option |
| American Funds Europacific Gr Retirement Option |
| American Funds Fundamental Investors Retirement Option |
| American Funds Growth Fund of America Retirement Option |
| American Funds Inflation Linked Bond Retirement Option |
| American Funds New Perspective Retirement Option |
| American Funds New World Retirement Option |
| American Funds Washington Mutual Investors Retirement Option |
| BlackRock Capital Appreciation Retirement Option |
| BlackRock High Yield Portfolio Retirement Option |
| BlackRock Mid-Cap Growth Equity Retirement Option |
| Federated Hermes MDT Small Cap Core Retirement Option |
| Franklin Templeton Investments DynaTech Retirement Option |
| Goldman Sachs Global Core Fixed Income Retirement Option |
| Goldman Sachs International Small Cap Insights Retirement Option |
| Hartford Funds Dividend and Growth Retirement Option |
| Hartford Funds Equity Income Retirement Option |
| Hartford Funds Schroders International Multi-Cap Value Retirement Option |
| Invesco Comstock Retirement Option |
| Invesco Core Plus Bond Retirement Option |
| Invesco Global Retirement Option |
| JPMorgan Mid Cap Value Retirement Option |
| JPMorgan Small Cap Growth Retirement Option |
| JPMorgan Small Cap Value Retirement Option |
| Janus Henderson Investors Triton Retirement Option |
| MFS Massachusetts Investors Retirement Option |
| MFS Mid Cap Value Retirement Option |
| MFS Research International Retirement Option |
| New York Life Investments Winslow Large Cap Growth Retirement Option |
| PIMCO Income Retirement Option |
| Pioneer Investments Equity Income Retirement Option |
| Pioneer Investments Strategic Income Retirement Option |
| Putnam Large Cap Value Retirement Option |
| State Street Partner Series with Transamerica Aggressive Growth Retirement Option |
| State Street Partner Series with Transamerica Conservative Retirement Option |
| State Street International Index Retirement Option |
| State Street S&P Mid Cap Index Retirement Option |
| T. Rowe Price Growth Stock Retirement Option |
| Thornburg International Growth Retirement Option |
| Transamerica Emerging Markets Debt Retirement Options |
| Transamerica High Yield Bond Retirement Option |
| Transamerica Retire on Track 2065 with American Funds Retirement Option |
| Transamerica Small/Mid Cap Value Retirement Option |
| Transamerica Retire on Track 2015 with American Funds Retirement Option |
| Transamerica Retire on Track 2020 with American Funds Retirement Option |
| Transamerica Retire on Track 2025 with American Funds Retirement Option |
| Transamerica Retire on Track 2030 with American Funds Retirement Option |
| Transamerica Retire on Track 2035 with American Funds Retirement Option |
| Transamerica Retire on Track 2040 with American Funds Retirement Option |
| Transamerica Retire on Track 2045 with American Funds Retirement Option |
| Transamerica Retire on Track 2050 with American Funds Retirement Option |
| Transamerica Retire on Track 2055 with American Funds Retirement Option |
| Transamerica Retire on Track 2060 with American Funds Retirement Option |
| Victory Trivalent Small Cap Retirement Option |
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 SGI 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
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