AVESTA HOMES, LLC 401(K) PLAN & TRUST Investment Options
Available Funds in AVESTA HOMES, LLC 401(K) PLAN & TRUST
Below is the lineup of investment options available to participants in AVESTA HOMES, LLC 401(K) PLAN & TRUST. 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 CENTURY ONE MUTUAL FUND |
| COHEN & STEERS REALTY MUTUAL FUND |
| DFA REAL ESTATE SECURITIES PORT INST MUTUAL FUND |
| FIRST EAGLE GOLD FUND MUTUAL FUND |
| INVESCO OPPEN GOLD & SPEC MINERAL R6 MUTUAL FUND |
| ISHARES US AGGREGATE BD INDEX FD K MUTUAL FUND |
| JANUS BALANCED FD CL T MUTUAL FUND |
| MATTHEWS ASIAN GROWTH & INCOME FD I MUTUAL FUND |
| RYDEX INVERSE GOVT LONG MUTUAL FUND |
| SCHWAB BANK SAVINGS MONEY MARKET |
| SCHWAB DIVIDEND EQUITY MUTUAL FUND |
| SCHWAB INTL INDEX FUND MUTUAL FUND |
| SCHWAB S&P 500 INDEX FD MUTUAL FUND |
| SCHWAB SHORT-TERM BOND INDEX FUND MUTUAL FUND |
| SCHWAB SMALL CAP INDEX MUTUAL FUND |
| SCHWAB TARGET 2020 FUND MUTUAL FUND |
| SCHWAB TARGET 2030 FUND MUTUAL FUND |
| SCHWAB TARGET 2040 FUND MUTUAL FUND |
| SCHWAB TARGET 2050 FUND MUTUAL FUND |
| SCHWAB TARGET 2060 FUND MUTUAL FUND |
| SCHWAB TOTAL STOCK MKT MUTUAL FUND |
| SCHWAB TREAS INFLAT PROT SEC IDX FD MUTUAL FUND |
| TIAA – CREF LARGE – CAP GR IDX INSTL MUTUAL FUND |
| TIAA CREF LARGE CAP VALUE INDX INSTL MUTUAL FUND |
| VANGUARD BALANCED INDEX FD ADMIRAL MUTUAL FUND |
| VANGUARD EMRG MKTS STK INDEX FD ADM MUTUAL FUND |
| VANGUARD ENERGY INDEX ADM MUTUAL FUND |
| VANGUARD FINANCIALS INDEX FD ADM SHR MUTUAL FUND |
| VANGUARD HEALTH CARE IND MUTUAL FUND |
| VANGUARD HI- YIELD CORP FD ADMIRAL SH MUTUAL FUND |
| VANGUARD INFO TECH INDEX FD ADMIRAL MUTUAL FUND |
| VANGUARD MATERIALSINDEX FD ADM MUTUAL FUND |
| VANGUARD MID CAP INDEX FUND ADMIRAL MUTUAL FUND |
| VANGUARD SHORT TRM CORP BD IDX ADMRL MUTUAL FUND |
| VANGUARD TOTAL WORLD STK INDEX MUTUAL FUND |
| VANGUARD SMALL CAP GROWTH INDEX ADMIRAL MUTUAL FUND |
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 AVESTA HOMES, LLC 401(K) PLAN & TRUST. 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% | … | … |
Get Key Insights for This Plan
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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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