WINTHROP & WEINSTINE, P.A. 401K PLAN & TRUST Investment Options
Basic steps for WINTHROP & WEINSTINE, P.A. 401K PLAN & TRUST investments
- Understand Your Goals and Risk Tolerance: Consider your retirement goals, time horizon, and risk tolerance when choosing investments. Are you saving for retirement, or do you have other financial goals in mind? How comfortable are you with market fluctuations?
- Diversification: Diversification is key to managing risk in your investment portfolio. Spread your investments across different asset classes (e.g., stocks, bonds, cash equivalents) and sectors to reduce the impact of market volatility.
- Asset Allocation: Determine the appropriate mix of assets for your investment portfolio based on your goals and risk tolerance. This may involve allocating a percentage of your portfolio to stocks, bonds, and cash equivalents.
- Review Investment Options: Evaluate the investment options available within WINTHROP & WEINSTINE, P.A. 401K PLAN & TRUST (see below for more detailed investment options). Look for funds with low fees, consistent performance, and a track record of meeting their investment objectives.
- Consider Target-Date Funds: Target-date funds are a popular option for retirement savings because they automatically adjust the asset allocation over time based on your expected retirement date. These funds can be a convenient option for investors who prefer a hands-off approach to investing.
- Monitor and Rebalance: Periodically review your investment portfolio and make adjustments as needed. Rebalance your portfolio to maintain your desired asset allocation and ensure it remains aligned with your goals and risk tolerance.
- Seek Professional Advice: If you’re unsure about which investments to choose or how to allocate your assets, consider seeking advice from a financial advisor. They can help you develop an investment strategy tailored to your individual needs and circumstances.
By following these steps, you can set up a 401(k) plan and choose investments that align with your long-term financial goals and objectives. Remember that investing involves risk, and it’s important to carefully consider your options and seek professional advice if needed.
Investment Options
WINTHROP & WEINSTINE, P.A. 401K PLAN & TRUST provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
Total Available Funds: 44
| Investment Description |
|---|
| MAINSTAY FUNDS REGISTERED INVESTMENT NR |
| SCHWAB FUNDS SELF-DIRECTED BROKERAGE ACCOUNTS NR |
| SEI TRUST COMPANY COMMON COLLECTIVE TRUST PRIN/BR S&NR |
| VANGUARD GROUP REGISTERED INVESTMENT NR |
| COMPANY VANGUARD TGT RMT 2040 INV |
| FUND5 |
| VANGUARD GROUP REGISTERED INVESTMENT NR |
| COMPANY VANGUARD TGT RMT 2050 INV |
| FUND |
| VANGUARD GROUP REGISTERED INVESTMENT NR |
| COMPANY VANGUARD TGT RMT 2040 INV |
| FUND3 |
| SEI TRUST COMPANY COMMON COLLECTIVE TRUST PRIN/BR RUSS 2000 I CIT N |
| SEI TRUST COMPANY COMMON COLLECTIVE TRUST ALLSPRING CORE NR |
| BD CIT TR |
| AMERICAN FUNDS SERVICE REGISTERED INVESTMENT NR |
| COMPANY AMERICAN FUNDS EUROPACIFIC GR |
| SEI TRUST COMPANY COMMON COLLECTIVE TRUST PRIN/BR S&NR |
| 500 INDEX CIT TR |
| SEI TRUST COMPANY REGISTERED INVESTMENT NR |
| COMPANY PRIN/BR AGG BD INDEX CIT TR |
| SEI TRUST COMPANY REGISTERED INVESTMENT NR |
| COMPANY PRIN/BR INTL EQ INDX CIT TR |
| VANGUARD GROUP REGISTERED INVESTMENT NR |
| COMPANY VANGUARD TGT RMT INC INV |
| FUND |
| PIMCO FUNDS REGISTERED INVESTMENT NR |
| COMPANY PIMCO REAL RETURN/INST |
| SEI TRUST COMPANY COMMON COLLECTIVE TRUST PRIN/BR S&NR |
| MID INDEX CIT TR |
| NORTHERN FUNDS REGISTERED INVESTMENT COMPANY NR |
| NORTHERN GLOBAL REAL ESTATE IX |
| ACADIAN FUNDS REGISTERED INVESTMENT NR |
| COMPANY ACADIAN EMERGING MARKETS I |
| TOUCHSTONE REGISTERED INVESTMENT NR |
| COMPANY TOUCHSTONE MID CAP VAL INSTL F |
| VANGUARD GROUP REGISTERED INVESTMENT NR |
| COMPANY VANGUARD TGT RMT 2020 INV |
| FUND |
| DELAWARE INVESTMENTS REGISTERED INVESTMENT NR |
| COMPANY DELAWARE SMALL CAP VALUE I |
| FUND |
| SEI TRUST COMPANY COMMON COLLECTIVE TRUST GALLIARD STABLE NR |
| RETURN PNTR |
How to invest
Key principles in retirement investing:
- Proper asset allocation among stocks and bonds, the two major assets. Proper assess your risk tolerance level based on your age, financial situation, personal emotional level to tolerate up and down, and retirement expectation.
- Invest in (ultra) low cost index funds if possible. Don’t get caught up with flashy funds.
- Invest for a long term: financial markets are up and down and investment values are subject to fluctuation. However, viewed as business investments, you can be assured that diversified funds (stocks and bonds) have solid business fundamental that eventually will deliver inflation beating returns for stocks.
See Four-Step Guide for 401(k) Retirement Investing.
Basic asset allocation templates
The following asset allocation templates are based on popular lazy portfolios. These are core or major asset class-based portfolios using ultra-low-cost index funds for each asset class. Once you have decided on your proper risk asset (stocks) allocation, you can utilize these lazy portfolio templates to scale the allocations to your risk allocation level. See Asset Allocation Portfolio Templates for a guide:
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 5.00% | 8.84% | 9.13% | 7.59% | 6.68% | 7.68% | 6.83% | 6.61% |
| Five Core Asset Portfolio | 4.77% | 8.74% | 8.92% | 7.44% | 6.61% | 7.56% | 6.90% | 6.80% |
| Three Core Asset Portfolio | 5.01% | 8.94% | 9.95% | 8.09% | 7.04% | 7.97% | 6.98% | 6.54% |
| Two Core Asset Portfolio | 3.17% | 8.93% | 10.74% | 8.81% | 8.13% | 9.24% | 7.67% | 7.05% |
| Yale Endowment Template | 5.86% | 9.64% | 8.69% | 7.67% | 7.25% | 8.57% | 7.57% | 7.89% |
| S&P 500 Index | 4.18% | 13.17% | 17.52% | 16.53% | 13.08% | 14.28% | 10.51% | 8.66% |
Data as of 06/24/2025, AR inception is 12/31/2000
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