CHILDREN’S THERAPY CENTER 403(B) PLAN Investment Options
Available Funds in CHILDREN’S THERAPY CENTER 403(B) PLAN
Below is the lineup of investment options available to participants in CHILDREN’S THERAPY CENTER 403(B) 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 |
|---|
| BlackRock Inflation Protected Bond Fund Institutional Shares |
| Macquarie Small Cap Value Fund |
| Fidelity Contrafund |
| BlackRock Global Allocation Fund, Inc. Institutional Shares |
| MFS New Discovery Fund Class R4 |
| American Funds New Perspective Fund Class R-6 |
| American Funds Washington Mutual Investors Fund Class R-6 |
| Vanguard 500 Index Fund Admiral Shares |
| American Funds International Growth and Income Fund Class R6 |
| Vanguard International Value Fund Investor Shares |
| Invesco Oppenheimer International Growth Fund Class Y |
| American Century Mid Cap Value Fund Investor Class |
| Eaton Vance Income Fund of Boston Class I |
| Neuberger Berman Mid Cap Growth Fund Institutional Class |
| PIMCO Commodity Real Return Strategy Fund Class I-2 |
| PIMCO Income Fund Class I-2 |
| T. Rowe Price Dividend Growth Fund |
| Vanguard Developed Markets Index Fund Admiral Shares |
| Baird Aggregate Bond Fund Class Institutional |
| American Funds New World Fund Class R6 |
| PIMCO International Bond US Dollar Hedged Class I-2 |
| American Funds Global Growth Portfolio |
| American Funds Growth Portfolio |
| American Funds Growth and Income Portfolio |
| American Funds International Growth and Income Fund |
| Blackrock Global Allocation Fund |
| LVIP Delaware High Yield Fund |
| LVIP Delaware REIT Series |
| Delaware VIP Small Cap Value Fund |
| LVIP Delaware Smid Cap Core Series Fund |
| Fidelity VIP Contrafund |
| LVIP BlackRock Dividend Value Managed Volatility Fund |
| LVIP Delaware Bond Fund |
| LVIP Delaware Social Awareness Fund |
| LVIP Delaware Mid Cap Value Fund |
| LVIP T. Rowe Price 2040 Fund |
| LVIP Franklin Templeton Multi-Factor Emerging Markets Equity Fund |
| LVIP SSGA S&P |
| LVIP SSGA Small Cap |
| LVIP T Rowe Price Mid Cap Growth Fund |
| Lincoln Fixed Account |
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 CHILDREN’S THERAPY CENTER 403(B) 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
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