SYSTEMS TECHNOLOGY GROUP, INC. 401(K) PLAN Investment Options
Available Funds in SYSTEMS TECHNOLOGY GROUP, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in SYSTEMS TECHNOLOGY GROUP, 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 |
|---|
| Vanguard Value Index Fund 12,258 n/a |
| Vanguard International Growth Fund 2,422 n/a |
| Vanguard 500 Index Fund 4,102 n/a |
| Vanguard Dividend Growth Fund 4,967 n/a |
| Vanguard Information Tech Index 4,279 n/a |
| Franklin Utilities Fund 2,493 n/a |
| Vanguard Mid-Cap Value Index 3,821 n/a |
| DFA US Large Cap Value Portfolio 1,846 n/a |
| Vanguard Equity Income Fund 2,217 n/a |
| Vanguard Extended Market Index 340 n/a |
| JP Morgan U.S. Research Enhanced Equity Fund 4,829 n/a |
| Vanguard Intermediate Term Bond Index Fund 18,377 n/a |
| Vanguard Target Retirement Income Fund 2,455 n/a |
| Vanguard Growth & Income Fund 5,940 n/a |
| Vanguard Windsor Fund 165 n/a |
| Vanguard Growth Index Fund 3,237 n/a |
| Vanguard Target Retirement 2020 Fund 3,553 n/a |
| Vanguard Target Retirement 2025 Fund 11,662 n/a |
| Vanguard Target Retirement 2030 Fund 14,565 n/a |
| Vanguard Target Retirement 2035 Fund 8,433 n/a |
| Vanguard Target Retirement 2040 Fund 20,012 n/a |
| Vanguard Target Retirement 2045 Fund 19,661 n/a |
| Vanguard Target Retirement 2050 Fund 12,191 n/a |
| Vanguard Target Retirement 2055 Fund 4,668 n/a |
| Vanguard Target Retirement 2060 Fund 1,682 n/a |
| DFA International Core Equity Portfolio 4,248 n/a |
| Vanguard Small Cap Index Fund 1,490 n/a |
| Vanguard Mid-Cap Growth Fund 4,310 n/a |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VANGUARD VALUE INDEX FUND ADMR |
| VANGUARD INTL GRTH ADM |
| VANGUARD 500 INDEX FUND – ADM |
| VANGUARD DIV GRTH – INV |
| VANGUARD INFO TECH IDX ADMIRAL |
| VAN TARGET RETIRE 2055 |
| FRANKLIN UTILITIES FUND – R6 |
| VANGUARD MID CAP VALUE IND ADM |
| DFA US LARGE CAP VALUE PORT I |
| VANG EQUITY INC ADM |
| VANGUARD EXT MKT IDX – ADMIRAL |
| VAN TARGET RETIRE 2050 |
| JPMORGAN US RSCH ENHANCED EQ R |
| VAN TARGET RETIRE 2035 |
| VAN TARG RETIRE 2060 |
| VANGUARD INTERMEDIATE TERM BON |
| VAN TARGET RETIRE INC |
| VAN TARGET RETIRE 2025 |
| VANGUARD GROWTH & INCOME ADMIR |
| VANGUARD WINDSOR FUND ADMIRAL |
| VAN TARGET RETIRE 2040 |
| VAN TARGET RETIRE 2020 |
| VANGUARD FEDERAL MM INV |
| VANGUARD GROWTH INDEX FUND ADM |
| VAN TARGET RETIRE 2045 |
| VAN TARGET RETIRE 2030 |
| DFA INTL CORE EQUITY 2 INST |
| VANGUARD SMALL CAP INDEX ADMRL |
| VAN MID CAP GROWTH – INV |
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 SYSTEMS TECHNOLOGY GROUP, 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% | … | … |
Get Key Insights for This Plan
Join our community and get data-driven insights about SYSTEMS TECHNOLOGY GROUP, INC. 401(K) PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- Delta’s 401(k): 9% Employer Contribution, 367 Funds, and a Smart Auto-Escalation Design
- Providence Health’s 100% Match on 6% and $600M Pay Raise: What Employees Need to Know
- Meta’s 401(k): 50% Match, Immediate Vesting, and $670M on the Table
- Making Sense of Mixed Signals
- Nike’s 401(k) Match Is Dollar-for-Dollar, Even When the Swoosh Is Struggling
- Tesla 401(k) Review: 50% Match Up to $3,000 — Is That Enough for TSLA Employees?
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 …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching SYSTEMS TECHNOLOGY GROUP, INC. 401(K) PLAN
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
Related Plans
- INFOR GLOBAL SOLUTIONS, INC. RETIREMENT SAV PLAN (300 participants, $10,500,084)
- TRANSMETA 401K PLAN (300 participants, $13,346,690)
- SLIPSTREAM IT, LLC 401(K) PLAN (300 participants, $8,121,540)
- ASAP 401(K) RETIREMENT PLAN (299 participants, $16,225,710)
- DRAKE ENTERPRISES LTD 401K RETIREMENT PLAN (302 participants, $6,413,402)