VEIT 401(K) PLAN Investment Options

Available Funds in VEIT 401(K) PLAN

Below is the lineup of investment options available to participants in VEIT 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.

Total Available Funds: 33
Investment Description
PUTNAM STABLE VALUE FUND
ALLIANCE BERNSTEIN US LARGE CAP GROWTH FUND
ALLSPRING SPECIAL MID CAP VALUE A
AMERICAN FUNDS 2010 TARGET DATE RETIRE R6
AMERICAN FUNDS 2015 TARGET DATE RETIRE R6
AMERICAN FUNDS 2020 TARGET DATE RETIRE R6
AMERICAN FUNDS 2025 TARGET DATE RETIRE R6
AMERICAN FUNDS 2030 TARGET DATE RETIRE R6
AMERICAN FUNDS 2035 TARGET DATE RETIRE R6
AMERICAN FUNDS 2040 TARGET DATE RETIRE R6
AMERICAN FUNDS 2045 TARGET DATE RETIRE R6
AMERICAN FUNDS 2050 TARGET DATE RETIRE R6
AMERICAN FUNDS 2055 TARGET DATE RETIRE R6
AMERICAN FUNDS 2060 TARGET DATE RETIRE R6
AMERICAN FUNDS 2065 TARGET DATE RETIRE R6
AMERICAN FUNDS SMALLCAP WORLD R6
CARILLON EAGLE MID CAP GROWTH A
DFA EMERGING MARKETS CORE EQUITY I
FIDELITY 500 INDEX
FIDELITY ADVISOR TOTAL BOND I
FIDELITY MID CAP INDEX
FIDELITY SMALL CAP INDEX
FIDELITY TOTAL INTERNATIONAL INDEX
FIDELITY US BOND INDEX
PGIM HIGH-YIELD R6
PIMCO INCOME A
PIMCO INTERNATIONAL BOND INST
PRINCIPAL DIVERSIFIED INTERNATIONAL INSTITUTIONAL
PRINCIPAL REAL ESTATE SECURITIES INSTITUTIONAL
PRINCIPAL SMALL CAP GROWTH I INSTITUTIONAL
UNDISCOVERED MANAGERS BEHAVIORAL VALUE R6
VANGUARD EMERGING MARKETS STOCK INDEX ADMIRAL
VANGUARD EQUITY-INCOME ADM

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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 VEIT 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%
Data as of 05/01/2026, Common starting date is 12/31/2000

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