TLC, INC. 401K PLAN Investment Options
Available Funds in TLC, INC. 401K PLAN
Below is the lineup of investment options available to participants in TLC, INC. 401K 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 Option List |
|---|
| AMERFUNDS 2050 TARG DATERET R6 Registered Investment Company |
| AMERFUNDS 2035 TARG DATERET R6 Registered Investment Company |
| AMERFUNDS 2045 TARG DATERET R6 Registered Investment Company |
| AMERFUNDS AMER BALANCED – R6 Registered Investment Company |
| AMERFUNDS 2065 TARG DATERET R6 Registered Investment Company |
| AMERICAN FUNDS NEW WORLD R6 Registered Investment Company (HVWBX) |
| ISHARES S&P 500 INDEX K Registered Investment Company (BSPPX) |
| AMERFUNDS 2060 TARG DATERET R6 Registered Investment Company |
| ISHARES MSCI EAFE INTL INDEX K Registered Investment Company (BTMGX) |
| BLACKROCK FEDFUND – PREMIER Registered Investment Company |
| INVESCO DEVELOPING MKTS R6 Registered Investment Company (DVMFX) |
| VANGUARD INTL GRTH ADM Registered Investment Company |
| JPMORGAN GOV BOND R6 Registered Investment Company |
| BLACKROCK HIGH YIELD K Registered Investment Company (BHYIX) |
| CALVERT EQUITY FUND I Registered Investment Company (CWVIX) |
| VANGUARD INFO TECH IDX ADMIRAL Registered Investment Company |
| AMERFUNDS 2030 TARG DATERET R6 Registered Investment Company |
| MFS INTL INTRINSIC VALUE R6 Registered Investment Company (GMVMX) |
| MFS VALUE R6 Registered Investment Company (DTLVX) |
| INVESCO DISCOVERY R6 Registered Investment Company |
| VAN INTERNATIONAL VALUE – INV Registered Investment Company (UTDIX) |
| AMER FUNDS NEW PERSP R6 Registered Investment Company |
| VICTORY ESTABLISHED VALUE R6 Registered Investment Company (GETGX) |
| VANGUARD VALUE INDEX FUND ADMR Registered Investment Company (VTRIX) |
| LORD ABBETT SHORT DUR INC R6 Registered Investment Company |
| VANGUARD INTERMEDIATE TERM BON Registered Investment Company (VFICX) |
| VANGUARD GROWTH INDEX FUND ADMRegistered Investment Company (VQNPX) |
| PIMCO INCOME FUND – INSTL Registered Investment Company (PRIFX) |
| AMERFUNDS 2015 TARG DATERET R6 Registered Investment Company |
| TRP RETIREMENT BALANCED I Registered Investment Company |
| AMERFUNDS 2025 TARG DATERET R6 Registered Investment Company |
| AMERICAN FUNDS 2055 TARGET R6 Registered Investment Company (FAJTX) |
| COLUMBIA SMALL CAP VALUE I I3 Registered Investment Company (RVVHX) |
| BLK HEALTH SCI OPP PORT -INST Registered Investment Company |
| VANGUARD SMALL CAP INDEX ADMRL Registered Investment Company (VISVX) |
| AC INFLATION ADJ BOND R6 Registered Investment Company |
| BLACKROCK STRATEGICGLOBLBOND KRegistered Investment Company |
| DAVIS FINANCIAL Y Registered Investment Company (DVFYX) |
| AMF BOND FUND OF AMERICA R6 Registered Investment Company |
| AMERFUNDS 2040 TARG DATERET R6 Registered Investment Company |
| MFS AGG GRTH ALLOC – R4 Registered Investment Company |
| BLACKROCK MIDCAP GROWTH EQ K Registered Investment Company (PGWIX) |
| AMERFUNDS 2020 TARG DATERET R6 Registered Investment Company |
| VANGUARD MID CAP INDEX – ADM Registered Investment Company (VIMSX) |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| AMERFUNDS 2050 TARG DATERET R6 |
| AMERFUNDS 2035 TARG DATERET R6 |
| AMERFUNDS 2045 TARG DATERET R6 (2045) |
| AMERFUNDS AMER BALANCED – R6 |
| AMERFUNDS 2065 TARG DATERET R6 |
| AMERICAN FUNDS NEW WORLD R6 (HVWBX) |
| ISHARES S&P 500 INDEX K (BSPPX) |
| AMERFUNDS 2060 TARG DATERET R6 |
| ISHARES MSCI EAFE INTL INDEX K (BTMGX) |
| BLACKROCK FEDFUND – PREMIER (TFDXX) |
| INVESCO DEVELOPING MKTS R6 |
| VANGUARD INTL GRTH ADM (VAARX) |
| JPMORGAN GOV BOND R6 |
| BLACKROCK HIGH YIELD K (BHYIX) |
| CALVERT EQUITY FUND I (CWVIX) |
| VANGUARD INFO TECH IDX ADMIRAL |
| AMERFUNDS 2030 TARG DATERET R6 |
| MFS INTL INTRINSIC VALUE R6 (GMVMX) |
| MFS VALUE R6 (MINIX) |
| INVESCO DISCOVERY R6 (VISCX) |
| VAN INTERNATIONAL VALUE – INV (MBIVX) |
| AMER FUNDS NEW PERSP R6 |
| VICTORY ESTABLISHED VALUE R6 (GETGX) |
| VANGUARD VALUE INDEX FUND ADMR (VTRIX) |
| LORD ABBETT SHORT DUR INC R6 (LLDYX) |
| VANGUARD INTERMEDIATE TERM BON (VBIIX) |
| VANGUARD GROWTH INDEX FUND ADM (VTGLX) |
| PIMCO INCOME FUND – INSTL (PRIFX) |
| AMERFUNDS 2015 TARG DATERET R6 |
| TRP RETIREMENT BALANCED I |
| AMERFUNDS 2025 TARG DATERET R6 |
| AMERICAN FUNDS 2055 TARGET R6 (FAJTX) |
| COLUMBIA SMALL CAP VALUE I I3 (CSCZX) |
| BLK HEALTH SCI OPP PORT -INST |
| VANGUARD SMALL CAP INDEX ADMRL (VISVX) |
| AC INFLATION ADJ BOND R6 |
| BLACKROCK STRATEGICGLOBLBOND K |
| DAVIS FINANCIAL Y (DVFYX) |
| AMF BOND FUND OF AMERICA R6 |
| AMERFUNDS 2040 TARG DATERET R6 |
| MFS AGG GRTH ALLOC – R4 |
| BLACKROCK MIDCAP GROWTH EQ K (PGWIX) |
| AMERFUNDS 2020 TARG DATERET R6 |
| VANGUARD MID CAP INDEX – ADM (VIMSX) |
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 TLC, INC. 401K 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
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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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