CANDELA 401(K) PLAN Investment Options
Available Funds in CANDELA 401(K) PLAN
Below is the lineup of investment options available to participants in CANDELA 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 |
|---|
| Ab Small Cap Growth 11,402 shares |
| BlackRock High Yield Bond 94,244 shares |
| BlackRock Inflation Protected Bond Fund 23,302 shares |
| Fidelity Mid Cap Index 44,597 shares |
| Fidelity 500 Index 51,069 shares |
| Invesco Gold & Special Minerals R6 521 shares |
| Is R Sm/Md Cap Idx K 125,159 shares |
| JPMorgan Core Plus Bond Fund 97,238 shares |
| JPMorgan Large Cap Growth Fund 74,260 shares |
| JPMorgan Midcap Value 13,242 shares |
| TRP Midcap Growth I 22,081 shares |
| TRP Overseas Stock I 81,578 shares |
| MFS Emerging Markets Debt R6 4,831 shares |
| MFS Mid Cap Value R6 44,043 shares |
| Pimco Emerging Market 54,027 shares |
| Pimco US I 85,748 shares |
| Thornburg STR INC R6 42,200 shares |
| Vanguard Target Retirement Inc 100,592 shares |
| Vanguard Target Retirement 2020 67 shares |
| Vanguard Target Retirement 2025 111,781 shares |
| Vanguard Target Retirement 2030 131,510 shares |
| Vanguard Target Retirement 2035 312,532 shares |
| Vanguard Target Retirement 2040 134,288 shares |
| Vanguard Target Retirement 2045 161,185 shares |
| Vanguard Target Retirement 2050 61,435 shares |
| Vanguard Target Retirement 2055 53,669 shares |
| Vanguard Target Retirement 2060 25,517 shares |
| Vanguard Target Retirement 2065 12,818 shares |
| Lincoln Fixed Account |
| Notes Receivable from Participants 4.25 – 9.50% |
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 CANDELA 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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