ZEFR 401(K) PLAN Investment Options
Available Funds in ZEFR 401(K) PLAN
Below is the lineup of investment options available to participants in ZEFR 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 |
|---|
| Pioneer Large Cap Growth Fund Reliance Trust – |
| NYL Anchor Fund Reliance Trust – |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| COHEN & STEERS REALTY SHARES |
| FID FREE INDX 2020 IP |
| VANGUARD MIDCAP GROWTH IDX ADM |
| VANGUARD MID CAP VALUE IND ADM |
| FID FREE INDX 2025 IP |
| VANGUARD WINDSOR FUND ADMIRAL |
| FID FREE INDX 2035 IP |
| FID FREE INDX 2050 IP |
| FID FREE INDX 2055 IP |
| FID FREE INDX 2045 IP |
| FID SMALL CAP INDEX |
| FID FREE INDX 2015 IP |
| FID FREE INDX 2040 IP |
| FID INTERNATIONAL INDEX |
| BRN ADV SUSTAIN GROWTH INST |
| AMERICAN FUNDS NEW WORLD R6 |
| FID FREE INDX 2030 IP |
| TRANSAMERICA INTL EQUITY I |
| FID FREEDOM IND2010 INSTL PREM |
| FID MID CAP INDEX |
| VICTORY SMALL CO OPP R6 |
| JAN HEND GLOBAL TECH INNOV N |
| FID 500 IND |
| BLACKROCK HIGH YIELD K |
| FID FREE INDX INCOME IP |
| VANGUARD EXPLORER ADMIN |
| HARTFORD TR BOND FUND R6 |
| NYL ANCHOR ACCOUNT |
| PIONEER LARGE CAP GROWTH R1 |
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 ZEFR 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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