V SHRED 401(K) PLAN Investment Options
Available Funds in V SHRED 401(K) PLAN
Below is the lineup of investment options available to participants in V SHRED 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 |
|---|
| Goldman Sachs Access U.S. Aggregate Bond |
| Goldman Sachs Access Emerging Markets USD Bond |
| Goldman Sachs Access Inflation Protected USD Bond |
| Goldman Sachs Access Investment Grade Corporate Bond |
| Goldman Sachs ActiveBeta Emerging Markets Equity |
| Goldman Sachs RActiveBeta Europe Equity |
| Goldman Sachs ActiveBeta International Equity |
| Goldman Sachs ActiveBeta Japan Equity |
| Goldman Sachs eActiveBeta US Large Cap Equity |
| Goldman Sachs ActiveBeta US Small Cap Equity |
| Goldman Sachs sTreasuryAccess 01 Year |
| iShares iShtares 0-5 Year TIPS Bond |
| iShares iShareas 1-3 Year Treasury Bond |
| iShares iShares 10+ Year Investment Grade Corporate Bond |
| iShares Broad USD tHigh Yield Corporate Bond |
| iShares Core MSCI Emeerging Markets |
| iShares Emerging Markets USdD Bond |
| iShares iShares ESG Aware MSCI USA Small-Cap |
| iShares iShares Fallen Angels USD Bond |
| iShares Floating Rate Bond D |
| iShares Investment Grade Systematic Bond |
| iShares MBS |
| iShares MSCI ACWI Low Carbon Target r |
| iShares Short-Term Treasury Bond a |
| iShares Treasury Floating Rate Bond |
| iShares Trust iShares 1-5 Year Investment Grade Corporate Bond |
| iShares Trust iShares USD Green Bond |
| JPMorgan Ultra-Short Income |
| Schwab U.S. Broad Market |
| SPDR State Street Global Advisors MSCI EAFE Fossil Fuel Free |
| SPDR State Street Global Advisors MSCI Emerging Markets Fossil Fuel Free |
| SPDR State Street Global Advisors S&P 400 Mid Cap |
| SPDR State Street Global Advisors S&P |
| SPDR State Street Global Advisors S&P 600 Small Cap Value |
| SPDR State Street Global Advisors S&P 500 Fossil Fuel Reserves Free |
| SPDR State Street Global Advisors S&P Kensho New Economies Composite |
| TCW Transform |
| Vanguard FTSE Developed Markets |
| Vanguard FTSE Emerging Markets |
| Vanguard LongTerm Government Bond |
| Vanguard Mid-Cap Value |
| Vanguard Short-Term Inflation-Protected Securities |
| Vanguard Small-Cap Value |
| Vanguard Value |
| Xtrackers USD High Yield Corporate Bond |
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 V SHRED 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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