BYLINE BANCORP, INC. 401(K) PLAN Investment Options
Available Funds in BYLINE BANCORP, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in BYLINE BANCORP, INC. 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 |
|---|
| Carillon Eagle Mid Cap Growth R6 Fund Registered Investment Company |
| Cohen & Steers I Realty Shares Fund Registered Investment Company |
| Federated Hermes Kaufmann Samll Cap A Fund Registered Investment Company |
| Fidelity 500 Index Fund Registered Investment Company |
| Fidelity Emerging Market Index Fund Registered Investment Company |
| Fidelity International Index Fund Registered Investment Company |
| Fidelity Mid Cap Index Fund Registered Investment Company |
| Fidelity Small Cap Index Fund Registered Investment Company |
| Fidelity US Bond Index Fund Registered Investment Company |
| JP Morgan Large Cap Gowth R6 Fund Registered Investment Company |
| MFS International Intrinsic Value R6 Fund Registered Investment Company |
| MFS New Discovery Value Fund Class R6 Fund Registered Investment Company |
| PIMCO Income Institutional Fund Registered Investment Company |
| Principal Core Fixed Income Separate Account – Z Pooled Separate Accounts |
| Principal Fixed Income Guaranteed Option Guaranteed Investment Contract |
| Principal LifeTime 2015 Separate Account – Z Pooled Separate Accounts |
| Principal LifeTime 2020 Separate Account – Z Pooled Separate Accounts |
| Principal LifeTime 2025 Separate Account – Z Pooled Separate Accounts |
| Principal LifeTime 2030 Separate Account – Z Pooled Separate Accounts |
| Principal LifeTime 2035 Separate Account – Z Pooled Separate Accounts |
| Principal LifeTime 2040 Separate Account – Z Pooled Separate Accounts |
| Principal LifeTime 2045 Separate Account – Z Pooled Separate Accounts |
| Principal LifeTime 2050 Separate Account – Z Pooled Separate Accounts |
| Principal LifeTime 2055 Separate Account – Z Pooled Separate Accounts |
| Principal LifeTime 2060 Separate Account – Z Pooled Separate Accounts |
| Principal LifeTime 2065 Separate Account – Z Pooled Separate Accounts |
| Principal LifeTime 2070 Separate Account – Z Pooled Separate Accounts |
| Principal LifeTime Strategic Income Separate Account – Z Pooled Separate Accounts |
| T. Rowe Price Large Cap Value I Fund Registered Investment Company |
| Vanguard International Growth Admiral Fund Registered Investment Company |
| maturing through October 2039 |
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 BYLINE BANCORP, INC. 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% | … | … |
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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