WORTH ROSS 401(K) PLAN Investment Options
Available Funds in WORTH ROSS 401(K) PLAN
Below is the lineup of investment options available to participants in WORTH ROSS 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 |
|---|
| Vanguard Small Cap Value Index Fund – Admiral Class (VISVX) |
| Vanguard Target Retirement 2040 Fund – Investor Class (VFORX) |
| Vanguard Target Retirement 2050 Fund – Investor Class (VFIFX) |
| Vanguard Target Retirement 2030 Fund – Investor Class (VTHRX) |
| T. Rowe Price T Rowe Price Small Cap Value Fund – Class I (PRSVX) |
| Vanguard Target Retirement Income Fund – Investor Class (VTINX) |
| Vanguard Target Retirement 2035 Fund – Investor Class (VTTHX) |
| Amundi US Pioneer Fundamental Growth Fund – Class K (PIGFX) |
| American Funds Washington Mutual Investors Fund R6 (FWMMX) |
| BlackRock iShares MSCI EAFE International Index Fund – Class K (BTMPX) |
| Vanguard Target Retirement 2045 Fund – Investor Class (VTIVX) |
| Vanguard Target Retirement 2065 Fund – Investor Class (VSXFX) |
| Vanguard Target Retirement 2060 Fund – Investor Class (VTTSX) |
| American Funds American Balanced Fund – Class R6 (GBLAX) |
| Dimensional Fund Advisors DFA Commodity Strategy Portfolio – Institutional Class (DCMSX) |
| Vanguard Target Retirement 2070 Fund – Investor Class (VSVNX) |
| Vanguard Target Retirement 2025 Fund – Investor Class (VTTVX) |
| Vanguard Target Retirement 2020 Fund – Investor Class (VTWNX) |
| Vanguard Target Retirement 2055 Fund – Investor Class (VFFVX) |
| SSGA Funds Management Inc State Street Equity 500 Index Fund – Class K (STFAX) |
| T. Rowe Price Dividend Growth Fund – Class I (PRDGX) |
| American Century Investments American Century Emerging Markets Fund – Class R6 (ACADX) |
| American Funds Inflation Linked Bond Fund – Class R6 (BFICX) |
| Vanguard Small Cap Index Fund – Admiral Class (VISVX) |
| Janus Capital Management LLC Janus Henderson Triton Fund – Class N (JSMGX) |
| BlackRock iShares U.S. Aggregate Bond Index Fund – Class K (BMOPX) |
| JPMorgan Equity Income Fund – Class R6 (OIEJX) |
| PGIM Investments PGIM High Yield Fund – Class R6 (PHYEX) |
| T. Rowe Price Overseas Stock Fund – Class I (TROSX) |
| BlackRock iShares Russell Mid-Cap Index Fund – Class K (CMGIX) |
| Invesco Stable Asset Fund – ADPZ Class |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| VANGUARD SM CAP VAL INDEX ADM (VSLVX) |
| VAN TARGET RETIRE 2040 (HARYX) |
| VAN TARGET RETIRE 2050 (PDTIX) |
| VAN TARGET RETIRE 2030 |
| T ROWE PRICE SMALL CAP VALUE I (PRSVX) |
| VAN TARGET RETIRE INC |
| VAN TARGET RETIRE 2035 |
| PIONEER FUNDAMENTAL GROWTH K (PIGFX) |
| AMERICAN FUNDS WAMU – R6 |
| ISHARES MSCI EAFE INTL INDEX K (BTMGX) |
| VAN TARGET RETIRE 2045 (VTIVX) |
| VAN TARG RETIRE 2065 |
| VAN TARG RETIRE 2060 |
| AMERFUNDS AMER BALANCED – R6 |
| DFA COMMODITY STRAT PORT INST (DFXIX) |
| VAN TARG RETIRE 2070 |
| VAN TARGET RETIRE 2025 (VTTVX) |
| VAN TARGET RETIRE 2020 |
| VAN TARGET RETIRE 2055 |
| STATE ST EQUITY 500 INDEX K (STFAX) |
| T. ROWE PRICE DIVIDEND GR I (PRDGX) |
| AMC EMERGING MKTS – R6 |
| AMF INFL LINKED BOND R6 |
| VANGUARD SMALL CAP INDEX ADMRL (VISVX) |
| JANUS HENDERSON TRITON FUND N (JSMGX) |
| ISHARES US AGGREGATE BD IDX K |
| JPMORGAN EQUITY INCOME FUND R6 (HLIEX) |
| PGIM HIGH YIELD FUND R6 (PHYEX) |
| T ROWE PRICE OVERSEAS STOCK (TROSX) |
| ISHARES RUSSELL MIDCAP INDEX K |
| INVESCO STABLE ASSET – ADPZ |
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 WORTH ROSS 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
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