VECTOR RESOURCES, INC. 401(K) PLAN Investment Options
Available Funds in VECTOR RESOURCES, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in VECTOR RESOURCES, INC. 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 |
|---|
| MassMutual 1MGDTB1 – Guaranteed Interest Account |
| MassMutual 1MIPZX – MassMutual Infl-Prot and Inc |
| BlackRock 1BMGKX – BlackRock Mid Cap Growth |
| MassMutual IMMFHX – MM Sel T. Rowe Price Ret 2015 |
| MassMutual IMMTWX – MM Sel T. Rowe Price Ret 2020 |
| MassMutual IMMTFX – MM Sel T. Rowe Price Ret 2025 |
| MassMutual 1MMTRX – MM Sel T. Rowe Price Ret 2030 |
| MassMutual 1MMTJX – MM Sel T. Rowe Price Ret 2035 |
| MassMutual 1MMFOX – MM Sel T. Rowe Price Ret 2040 |
| MassMutual 1MMFTX – MM Sel T. Rowe Price Ret 2045 |
| MassMutual 1MMDDX – MM Sel T. Rowe Price Ret 2050 |
| MassMutual 1MMDJX – MM Sel T. Rowe Price Ret 2055 |
| MassMutual 1MMSKX – MM Sel T. Rowe Price Ret 2060 |
| MassMutual 1MMBVX – MM Sel T. Rowe Price Retirement Bal |
| AB Funds 1ANAYX – AB Global Bond Fund |
| American Funds 1RLBGX – American Funds American Balanced R6 |
| Capital Group 1S6036R – Capital Group EuroPacific Growth Fund SA |
| Fidelity Investments 1FXAIX – Fidelity 500 Index Fund |
| Fidelity Investments 1FCNTX – Fidelity Contrafund |
| Fidelity Investments 1FSPSX – Fidelity International Index Fund |
| Fidelity Investments 1FSMDX – Fidelity Mid Cap Index Fund |
| Fidelity Investments 1FSSNX – Fidelity Small Cap Index Fund |
| Fidelity Investments 1FXNAX – Fidelity U.S. Bond Index Fund |
| Franklin/Templeton 1FUFRX – Franklin Utilities R6 |
| Invesco 1OGLIX – Invesco Global R6 |
| JP Morgan 1JUSRX – JP Morgan US Equity R5 |
| JP Morgan 1OGGYX – JP Morgan Government Bond Fund |
| JP Morgan 1S6114R – Large Cap Growth / JP Morgan INVT MGMT |
| T.Rowe Price 1PRJIX – T. Rowe Price New Horizons Fund |
| Victory 1VSORX – Victory Sycamore Sm Co Oppty Fund |
| Victory 1VEVRX – Victory Sycamore Established Value R6 |
| See accompanying notes and independent auditor's report. |
| 1MMFOX 323,607.33 |
| 1MMDDX 434,139.41 |
| 1MMTWX 258.19 |
| 1MMTRX 399,799.28 |
| 1MMSKX 512,380.54 |
| 1MMTFX 642,302.70 |
| 1MMFTX 1,973,537.27 |
| 1MMTJX 958,399.48 |
| 1MMBVX 200,066.06 |
| 1MMDJX 893,133.75 |
| 1MMFHX 222,217.80 |
| 1FSPSX 369,582.11 |
| 1OGLIX 1,399,867.88 |
| 1S6036R 1,429,517.17 |
| 1FUFRX 642,303.18 |
| 1IARFX 247,159.24 |
| 1BMGKX 307,185.91 |
| 1FSSNX 1,107,159.90 |
| 1PRJIX 655,526.83 |
| 1VSORX 429,498.56 |
| 1FSMDX 410,293.22 |
| 1VEVRX 813,200.72 |
| 1FCNTX 3,332,209.32 |
| 1FXAIX 3,853,181.91 |
| 1JUSRX 1,331,812.43 |
| 1S6114R 955,872.11 |
| 1RLBGX 602,313.78 |
| 1ANAYX 78,013.01 |
| 1FXNAX 409,188.47 |
| 1OGGYX 172,484.32 |
| 1MIPZX 214,511.13 |
| 1MSPZX 559,319.10 |
| 1MGDTB1 2.250 5,805,011.03 |
| FORFEITURES 44,395.81 |
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 VECTOR RESOURCES, INC. 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% | … | … |
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
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