THE PSSI 401(K) PLAN & TRUST Investment Options
Available Funds in THE PSSI 401(K) PLAN & TRUST
Below is the lineup of investment options available to participants in THE PSSI 401(K) PLAN & TRUST. 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 Option List |
|---|
| Allspring Allspring Special Mid Cap Value Fund – Class Inst (SMCDX) |
| American Century Equity Income Fund (AEIMX) |
| American Funds American Balanced Fund (GBLAX) |
| American Funds American Mutual R6 (FFFMX) |
| American Funds EuroPacific Growth Fund (FEPUX) |
| American Funds Inflation Linked Bond Fund Class R6 (BFICX) |
| American Funds International Growth and Income R6 (FGGGX) |
| American Funds New World Fund (HVWBX) |
| American Funds Washington Mutual Investors Fund (FWMMX) |
| Carillon Eagle Carillon Eagle Mid Cap Growth Fund (HRAYX) |
| Cohen & Steers Cohen & Steers Preferred Securities & Income Fund (PISHX) |
| Columbia Adaptive Risk Allocation Institutional 2 (CARRX) |
| Columbia Strategic Income Institutional 2 (LSIZX) |
| Eaton Vance Income Fund of Boston Class R6 (EIBIX) |
| Emerald Emerald Growth Fund (HSPGX) |
| Federated Hermes Government Obligations Premier (GOAXX) |
| Federated Hermes Strategic Value Dividend Institutional (SVAIX) |
| Fidelity Advisor Energy Fund Class I (FANIX) |
| Fidelity Advisor New Insights Fund (FINSX) |
| Franklin Templeton Fnklntmp Global Bond A (TGBAX) |
| Franklin Templeton Franklin Mutual International Value Fund-Class Z (FCMIX) |
| Franklin Templeton Franklin Templeton Global Bond Fund (TGBAX) |
| Franklin Templeton Franklin Utilities Fund Advisor Class (FRUAX) |
| Goldman Sachs Strategic Income Institutional (GSZCX) |
| Horizon Active Horizon Active Asset Allocation Institutional (HASIX) |
| Horizon Active Horizon Active Income Institutional (AIHAX) |
| Invesco Corporate Bond Fund R5 (ACCHX) |
| Invesco Global Fund Class Y (GADDX) |
| Invesco Gold & Special Minerals Fund Class Y (IOGYX) |
| Invesco Growth Income R5 (ACGMX) |
| Invesco Senior Floating Rate Class Y (SFRRX) |
| Invesco SteelPath MLP Select 40 Fund A (SPMVX) |
| JPMorgan Growth Advantage R6 (JGASX) |
| JPMorgan Small Cap Equity R5 (VSEIX) |
| JPMorgan Small Cap Value R6 (JSVUX) |
| Legg Mason Legg Mason Western Asset Core Bond Fund (LLAAX) |
| Nationwide Federated Hermes Short-Term Income Fund Institutional (FTIQX) |
| Natixis Investment Managers Gateway Fund – Class A |
| Parnassus Investments Parnassus Value Equity Fund Institutional (PVEYX) |
| PIMCO All Asset A (PAUIX) |
| PIMCO Income Fund A + (PFIIX) |
| PIMCO Income Institutional (PFIIX) |
| PIMCO International Bond Fund (PFONX) |
| PIMCO Long-Term Credit Bond Fund (PLRIX) |
| PIMCO Short-Term Fund Institutional (PTSHX) |
| Pioneer Bond Fund (LSGAX) |
| T. Rowe Price Blue Chip Growth (TRBCX) |
| T. Rowe Price Communications & Technology Fund (PRSCX) |
| T. Rowe Price Financial Services Fund (PRISX) |
| Vanguard Vanguard |
| Vanguard Consumer Staples Index Fund Admiral (VCSAX) |
| Vanguard Energy Index Fund Admiral (VGENX) |
| Vanguard Extended Market (VEXMX) |
| Vanguard Growth Index Fund Admiral (VQNPX) |
| Vanguard High Dividend Yield Index Admiral (VHDYX) |
| Vanguard Small Cap (VISVX) |
| Vanguard Small Cap Value Index Admiral (VISVX) |
| Vanguard Target Retirement 2045 Fund (VTIVX) |
| Victory Victory Fund for Income (IPFIX) |
| Victory Capital Victory Fund For Income A (IPFIX) |
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 PSSI 401(K) PLAN & TRUST. 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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