ZACK GROUP 401(K) PLAN Investment Options
Available Funds in ZACK GROUP 401(K) PLAN
Below is the lineup of investment options available to participants in ZACK GROUP 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 |
|---|
| Invesco Stable Asset Fund |
| American Century Emerging Markets Fund |
| American Funds Inflation Linked Bond Fund |
| American Funds Washington Mutual Investors Fund |
| American Funds American Balanced Fund |
| DFA Commodity Strategy Portfolio Fund |
| Ishares MSCI EAFE International |
| Ishares US Aggregate Bond |
| Ishares Russell Mid Cap |
| Janus Henderson Triton Fund |
| JP Morgan Equity Income Fund |
| Pilgrim High Yield Fund |
| Pioneer Fundamental Growth Fund |
| StateStreet Equity |
| T. Rowe Price Dividend Growth Fund |
| T. Rowe Price Overseas Stock Fund |
| T. Rowe Price Small Cap Value Fund |
| Vanguard Target Retirement Inc |
| Vanguard Target Retirement 2020 Fund |
| Vanguard Target Retirement 2025 Fund |
| Vanguard Target Retirement 2030 Fund |
| Vanguard Target Retirement 2035 Fund |
| Vanguard Target Retirement 2040 Fund |
| Vanguard Target Retirement 2045 Fund |
| Vanguard Target Retirement 2050 Fund |
| Vanguard Target Retirement 2055 Fund |
| Vanguard Target Retirement 2060 Fund |
| Vanguard Target Retirement 2065 Fund |
| Vanguard Small Cap Index |
| Vanguard Small Cap Value |
| Rates from 5.25% to 10.50% – |
| VAN TARGET RETIRE 2035 |
| ISHARES MSCI EAFE INTL INDEX K |
| STATE ST EQUITY 500 INDEX K |
| ISHARES US AGGREGATE BD IDX K |
| VAN TARGET RETIRE 2020 |
| VANGUARD SMALL CAP INDEX ADMRL |
| VAN TARGET RETIRE 2055 |
| VAN TARGET RETIRE 2025 |
| AMF INFL LINKED BOND R6 |
| T. ROWE PRICE DIVIDEND GR I |
| AMERFUNDS AMER BALANCED – R6 |
| JANUS HENDERSON TRITON FUND N |
| AMERICAN FUNDS WAMU – R6 |
| VAN TARGET RETIRE 2050 |
| VAN TARG RETIRE 2060 |
| PGIM HIGH YIELD FUND R6 |
| VAN TARGET RETIRE INC |
| VAN TARG RETIRE 2065 |
| T ROWE PRICE SMALL CAP VALUE I |
| DFA COMMODITY STRAT PORT INST |
| T ROWE PRICE OVERSEAS STOCK |
| VAN TARGET RETIRE 2040 |
| VANGUARD SM CAP VAL INDEX ADM |
| JPMORGAN EQUITY INCOME FUND R6 |
| PIONEER FUNDAMENTAL GROWTH K |
| VAN TARGET RETIRE 2045 |
| AMC EMERGING MKTS – R6 |
| VAN TARGET RETIRE 2030 |
| 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 ZACK GROUP 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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