THE GATES MATCHMAKER PLAN Investment Options
Available Funds in THE GATES MATCHMAKER PLAN
Below is the lineup of investment options available to participants in THE GATES MATCHMAKER 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 |
|---|
| American Beacon Small Cap Value R6 |
| American Funds Europacific Growth R6 |
| American Funds Fundamental Investors R6 |
| American Funds New Perspective R6 |
| Dodge & Cox Balanced |
| MFS Mid Cap Value R6 |
| Mass Mutual Select Mid Cap Growth Fund |
| T. Rowe Price All-Cap Opportunities |
| Vanguard Equity Income Admiral |
| Vanguard Institutional Index |
| Vanguard Mid Cap Index Institutional |
| Vanguard Small Cap Index |
| Loomis Sayles Core Plus Fixed Income |
| Blackrock LifePath Dynamic 2030 |
| Blackrock LifePath Dynamic 2035 |
| Blackrock LifePath Dynamic 2040 |
| Blackrock LifePath Dynamic 2045 |
| Blackrock LifePath Dynamic 2050 |
| Blackrock LifePath Dynamic 2055 |
| Blackrock LifePath Dynamic 2060 |
| Blackrock LifePath Dynamic 2065 |
| Blackrock LifePath Dynamic Retirement |
| BNY Mellon (at fair value) BNY Mellon Collective Fund |
| Intermediate Core Fund |
| Term Fund 2024 |
| Term Fund 2025 |
| Term Fund 2026 |
| Term Fund 2027 |
| Term Fund 2028 |
| statements |
| AMERICAN BEACON SMCAP VA R6 Registered Investment Company |
| AMERICAN FUNDAMENTAL INVSTR R6 Registered Investment Company |
| AMERICAN NEW PERSPECTIVE R6 Registered Investment Company |
| DODGE & COX BALANCED FUND Registered Investment Company |
| EUROPACIFIC GROWTH R6 Registered Investment Company |
| MASSMUTUAL SLCT MID CAP GRTH I Registered Investment Company |
| MFS MID CAP VALUE R6 Registered Investment Company |
| T ROWE PRICE ALL CAP OPPTIES I Registered Investment Company |
| VANGUARD EQUITY INCOME ADMIRAL Registered Investment Company |
| VANGUARD INSTITUTIONAL INDEX Registered Investment Company |
| VANGUARD MIDCAP INDEX INSTL Registered Investment Company |
| VANGUARD SM CAP INDEX INSTL Registered Investment Company |
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 THE GATES MATCHMAKER 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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