XCEL HR 401(K) PLAN Investment Options
Available Funds in XCEL HR 401(K) PLAN
Below is the lineup of investment options available to participants in XCEL HR 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 |
|---|
| American Funds Global Balanced CL R6 Fund |
| American Funds New Perspective R6 Fund |
| iShares MSCI EAFE International |
| DFA Inflation Protected SEC Port Fund |
| Fidelity Emerging Markets |
| Franklin Utilities Fund |
| Fidelity US Bond |
| JPMorgan Core Plus Bond Fund |
| Prudential High Yield Fund |
| Victory Short Term Bond Fund |
| Vanguard Life Strategy Growth Fund |
| Vanguard LifeStrategy Income Fund |
| Vanguard Intermediate-Term Bond Index Ad Fund |
| Vanguard Energy Index Admiral Fund |
| Vanguard Target Retirement 2055 Fund |
| Vanguard 500 Index Admiral Fund |
| Vanguard Target Retirement 2050 Fund |
| Vanguard Target Retirement 2040 Fund |
| Vanguard FTSE Social Index Admiral Fund |
| Vanguard Health Care Admiral Fund |
| Vanguard Growth Index Admiral Fund |
| Vanguard Mid Cap Index Admiral Fund |
| Vanguard Information Technology Index Ad Fund |
| Vanguard Target Retirement 2065 Inv Fund |
| Vanguard Mid Cap Growth Index Admiral Fund |
| Vanguard Mid Cap Value Index Admiral Fund |
| Vanguard Life Strategy Conservative Fund |
| Vanguard Small Cap Growth Index Adm Fund |
| Vanguard Short-Term Federal Admiral Fund |
| Vanguard Small Cap Value Index Adm Fund |
| Vanguard Small Cap Index Admiral Fund |
| Vanguard Life Strategy Moderate Fund |
| Vanguard Target Retirement 2070 Fund |
| Vanguard Short-Term Inf Prot Index Admiral |
| Vanguard Target Retirement 2030 |
| Vanguard Target Retirement Income |
| Vanguard Target Retirement 2045 |
| Vanguard Target Retirement 2035 |
| Vanguard Target Retirement 2060 |
| Vanguard Target Retirement 2025 |
| Vanguard Target Retirement 2020 |
| Vanguard Value Index Admiral |
| Investments, at fair value |
| BlackRock BTMKX – iShares MSCI EAFE International Index Fund Class K |
| Dimensional Fund Advisors DIPSX – DFA Inflation Protected Sec Port |
| Fidelity FPADX – Fidelity Emerging Markets Index |
| Franklin/Templeton FUFRX – Franklin Utilities Fund Class R6 |
| Fidelity FXNAX – Fidelity US Bond |
| JPMorgan JCPUX – JPMorgan Core Plus Bond Fund R6 |
| Prudential PHYZX – Prudential High Yield Z |
| American Funds RGBGX – American Global Balanced Cl R6 |
| American Funds RNPGX – American Funds New Perspective R6 |
| Victory URSBX – Victory Short Term Bond Fund R6 Shares |
| Vanguard VASGX – Vanguard Life Strategy Growth |
| Vanguard VASIX – Vanguard Lifestrategy Income |
| Vanguard VBILX – Vanguard Intermediate-Term Bond Index Fund Admiral Shares |
| Vanguard VENAX – Vanguard Energy Index Admiral |
| Vanguard VFFVX – Vanguard Target Retirement 2055 Fund Investor Shares |
| Vanguard VFIAX – Vanguard 500 Index Admiral |
| Vanguard VFIFX – Vanguard Target Retirement 2050 Fund Investor Shares |
| Vanguard VFORX – Vanguard Target Retirement 2040 Fund Investor Shares |
| Vanguard VFTAX – Vanguard Ftse Social Index Admiral |
| Vanguard VGHAX – Vanguard Health Care Admiral |
| Vanguard VIGAX – Vanguard Growth Index Admiral |
| Vanguard VIMAX – Vanguard Mid-Cap Index Fund Admiral Shares |
| Vanguard VITAX – Vanguard Information Technology Index Fund Admiral Shares |
| Vanguard VLXVX – Vanguard Target Retirement 2065 Inv |
| Vanguard VMGMX – Vanguard Mid-Cap Growth Index Fund Admiral Shares |
| Vanguard VMVAX – Vanguard Mid Cap Value Index Admiral |
| Vanguard VSCGX – Vanguard Life Strategy Conservative |
| Vanguard VSGAX – Vanguard Small-Cap Growth Index Fund Admiral Shares |
| Vanguard VSGDX – Vanguard Short-Term Federal Fund Admiral Shares |
| Vanguard VSIAX – Vanguard Small Cap Value Index Fund Admiral Shares |
| Vanguard VSMAX – Vanguard Small-Cap Index Fund Admiral Shares |
| Vanguard VSMGX – Vanguard Life Strategy Moderate |
| Vanguard VSVNX – Vanguard Target Retirement 2070 |
| Vanguard VTAPX – Vanguard Short-Term Inflation-Protected Securities Index Fund Admiral Shares |
| Vanguard VTHRX – Vanguard Target Retirement 2030 |
| Vanguard VTINX – Vanguard Target Retirement Income Fund Investor Class |
| Vanguard VTIVX – Vanguard Target Retirement 2045 |
| Vanguard VTTHX – Vanguard Target Retirement 2035 Fund Investor Shares |
| Vanguard VTTSX – Vanguard Target Retirement 2060 Fund Investor Shares |
| Vanguard VTTVX – Vanguard Target Retirement 2025 |
| Vanguard VTWNX – Vanguard Target Retirement 2020 |
| Vanguard VVIAX – Vanguard Value Index Fund Admiral Shares |
| Loan LOAN – Loan 4.25% – 9.50% |
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 XCEL HR 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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