VISIONBANK 401(K) PLAN Investment Options
Available Funds in VISIONBANK 401(K) PLAN
Below is the lineup of investment options available to participants in VISIONBANK 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 Option List |
|---|
| American Funds Cap World Growth & Income R6 (CDWAX) |
| American Funds Europacific Growth R6 (FEPUX) |
| American Funds Fundamental Investors R6 (RFNFX) |
| American Funds Growth Fund of America R6 (FAFGX) |
| American Funds Washington Mutual Investors R6 (FWMMX) |
| American Funds SMALLCAP World R6 (FSFWX) |
| Franklin Templeton Franklin Small Cap Value R6 (FVADX) |
| Invesco Small Cap Growth R6 (GTSVX) |
| JPMorgan Core Bond R6 (JCBUX) |
| T.Rowe Price MassMutual Select Blue Chip Growth I (TRBCX) |
| Vanguard Mid Cap Index Admiral (VIMSX) |
| Vanguard Small Cap Index Admiral (VISVX) |
| BlackRock iShares S&P 500 Index K (BSPPX) |
| MassMutual MassMutual Inflation Protection & Income R3 (MIPSX) |
| MassMutual MassMutual Select Mid Cap Growth I (MEFYX) |
| MFS Investment Management MFS Mid Cap Value R6 (MCVIX) |
| Great Grey Trust American Funds 2020 |
| Great Grey Trust American Funds 2025 |
| Great Grey Trust American Funds 2035 |
| Great Grey Trust American Funds 2045 |
| Great Grey Trust American Funds 2050 |
| Great Grey Trust American Funds 2055 |
| Great Grey Trust American Funds 2060 (CCKTX) |
| 1S7106A 17,285.97 |
| 1S7109A 73,049.46 |
| 1S7112A 1,363,320.99 |
| 1S7114A 475,849.40 |
| 1S7125A 33,356.44 |
| 1S7142A 832,564.38 |
| 1S7147A 2,689,917.92 |
| 1RWIGX 138,357.99 |
| 1RERGX 41,429.87 |
| 1RLLGX 82,337.05 |
| 1VTIAX 291,960.83 |
| 1DFREX 123,180.46 |
| 1FRCSX 66,159.74 |
| 1GTSFX 20,836.35 |
| 1VSMAX 339,237.18 |
| 1MEFZX 115,238.21 |
| 1MVCKX 561,129.23 |
| 1VIMAX 391,619.05 |
| 1RMFGX 189,968.00 |
| 1RFNGX 167,904.70 |
| 1RGAGX 297,242.90 |
| 1RWMGX 51,711.85 |
| 1WFSPX 612,772.14 |
| 1MBCZX 404,879.94 |
| 1ANAZX 65,862.33 |
| 1FBKWX 278,922.25 |
| 1JCBUX 93,095.42 |
| 1MIPZX 94,601.12 |
| 1MHPJA1 2.800 216,669.81 |
| 1GWAQ25 1.950 186,009.14 |
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 VISIONBANK 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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