ZP GROUP PLAN A Investment Options
Available Funds in ZP GROUP PLAN A
Below is the lineup of investment options available to participants in ZP GROUP PLAN A. 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 |
|---|
| at December 31, |
| Fidelity Management Fidelity |
| Vanguard Target Retirement 2055 Fund |
| Vanguard Target Retirement 2050 Fund |
| JP Morgan JP Morgan Large-Cap Growth Fund |
| Vanguard Target Retirement 2060 Fund |
| Vanguard Target Retirement 2045 Fund |
| American Funds WAMU Fund |
| Vanguard Target Retirement 2040 Fund |
| Vanguard Target Retirement 2035 Fund |
| American Funds Europacific Fund |
| T. Rowe Price New Horizons Fund |
| Fidelity Management Fidelity Small-Cap |
| Eaton Vance Parametric International Equity Fund |
| John Hancock Disciplined Value Fund |
| T. Rowe Price Mid-Cap Growth Fund |
| Blackrock Core Bond Fund |
| Fidelity Management Fidelity International Index Fund |
| Columbia Threadneedle Columbia Dividend Income Fund |
| Franklin Templeton Franklin Utilities Fund |
| Vanguard Target Retirement 2065 Fund |
| Fidelity Management Fidelity Mid-Cap |
| JP Morgan JP Morgan Emerging Markets Equity Fund |
| Vanguard Balance Index Fund |
| Dodge & Cox Dodge & Cox Global Bond Fund |
| Fidelity Management Fidelity US Bond Index Fund |
| Fidelity Management Fidelity Advisor Stock Selector Mid-Cap Fund |
| Vanguard Target Retirement Income Fund |
| Columbia Threadneedle Columbia Overseas Value Fund |
| Vanguard Target Retirement 2025 Fund |
| Vanguard Target Retirement 2020 Fund |
| through October 2029 |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| JPMORGAN LARGE CAP GROWTH R6 |
| DODGE & COX GLOBAL BOND I |
| VANGUARD BAL IDX – ADM |
| JOHN HANCOCK DISC VALUE MC R6 |
| FID MID CAP INDEX |
| COLUMBIA OVERSEAS VALUE I3 |
| FID INTERNATIONAL INDEX |
| COLUMBIA DIVIDEND INCOME I3 |
| VAN TARGET RETIRE 2050 |
| AMERICAN FUNDS WAMU – R6 |
| TRP NEW HORIZONS – I |
| NUVEEN RE SECURITIES SELECT R6 |
| VAN TARGET RETIRE 2035 |
| VAN TARG RETIRE 2065 |
| VAN TARGET RETIRE 2045 |
| VAN TARGET RETIRE 2020 |
| FID SMALL CAP INDEX |
| FID ADV STOCK SEL MID CAP Z |
| FID 500 IND |
| FRANKLIN UTILITIES FUND – R6 |
| T ROWE PRICE MID CAP GROWTH I |
| VAN TARGET RETIRE INC |
| FID US BOND IND |
| VAN TARGET RETIRE 2040 |
| AMERICAN FUNDS EUROPAC GRO- R6 |
| JPM EMERGING MARKETS EQUITY R6 |
| PARAMETRIC INTERNATIONAL EQ R6 |
| VAN TARGET RETIRE 2030 |
| VAN TARG RETIRE 2060 |
| VAN TARGET RETIRE 2025 |
| VAN TARGET RETIRE 2055 |
| BLACKROCK CORE BOND K |
| MET GG SV 25554 – J |
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 ZP GROUP PLAN A. 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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