UPSTACK 401(K) PLAN Investment Options
Available Funds in UPSTACK 401(K) PLAN
Below is the lineup of investment options available to participants in UPSTACK 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 |
|---|
| Invesco Stable Asset Common Collective Funds |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| BLACKROCK MID-CAP VALUE K |
| MACQUARIE SYST EMMKTS EQ R6 |
| FIDELITY INTL GROWTH Z |
| NUVEEN LC INDEX 2065 R6 |
| VAN INTERNATIONAL VALUE – INV |
| VAN SH TERM CORP BOND IDX ADM |
| VANGUARD UTIL IDX ADM |
| VANGUARD INTL GRTH ADM |
| NUVEEN LC INDEX 2050 R6 |
| NUV LIFECYCLE IDX RET INC R6 |
| VANGUARD SMALL CAP INDEX ADMRL |
| AB LARGE CAP GROWTH FUND Z |
| ISHARES RUSSELL 1000 LRG CAP K |
| NUVEEN LC INDEX 2045 R6 |
| NUVEEN LC INDEX 2025 R6 |
| FID ADV INTL SMALL CAP FUND Z |
| VANGUARD INTERMEDIATE TERM BON |
| PIMCO DIVERSIFIED INC – INST |
| VANGUARD MIDCAP GROWTH IDX ADM |
| NUVEEN LC INDEX 2040 R6 |
| NUVEEN LC INDEX 2030 R6 |
| VANGUARD MID CAP INDEX – ADM |
| BLACKROCK MIDCAP GROWTH EQ K |
| PIMCO INV GR CRED BD I |
| VAN INFL PROTECTED SEC – ADMR |
| JPMORGAN LARGE CAP VALUE R6 |
| VANGUARD DEV MKT INDEX ADMIRAL |
| AMER FUNDS NEW PERSP R6 |
| JPMORGAN US SMALL COMPANY R6 |
| NUVEEN INT EQ INDEX R6 |
| JPMORGAN US EQUITY FUND R6 |
| JOHN HANCOCK BOND FUND – R6 |
| NUVEEN LC INDEX 2060 R6 |
| VAN INT TRM TREAS IDX ADM |
| VANGUARD SM CP GR IDX -ADMIRAL |
| AB DISCOVERY VALUE Z |
| FID 500 IND |
| VANGUARD EMG MKTS STK IDX ADM |
| CLEARBRIDGE MID CAP IS |
| INVESCO GOLD & SPEC MINR6 |
| NUVEEN LC INDEX 2035 R6 |
| BLK COMMODITY STRAT K |
| VANGUARD BAL IDX – ADM |
| VANGUARD GROWTH INDEX FUND ADM |
| VANGUARD VALUE INDEX FUND ADMR |
| NUVEEN LC INDEX 2055 R6 |
| VANGUARD MID CAP VALUE IND ADM |
| AMF INCOME FD OF AMERICA R6 |
| UNDISC MGRS BEHAVIORAL VAL R6 |
| INVESCO STABLE ASSET – ADPZ |
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 UPSTACK 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
- more …
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