CONCORD HOSPITAL 403(B) PLAN Investment Options
Available Funds in CONCORD HOSPITAL 403(B) PLAN
Below is the lineup of investment options available to participants in CONCORD HOSPITAL 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 |
|---|
| American Funds EuroPacific R6 – |
| American Funds Washington Mutual Investors Fund – R6 – |
| Dodge & Cox Dodge & Cox Income I – |
| Invesco Main Street Fund R6 – |
| MFS Funds Growth Fund – Class R6 – |
| Touchstone Mid Cap Growth Fund – |
| T. Rowe Price Retirement I 2005 Fund – I Class – |
| T. Rowe Price Retirement I 2010 Fund – I Class – |
| T. Rowe Price Retirement I 2015 Fund – I Class – |
| T. Rowe Price Retirement I 2020 Fund – I Class – |
| T. Rowe Price Retirement I 2025 Fund – I Class – |
| T. Rowe Price Retirement I 2030 Fund – I Class – |
| T. Rowe Price Retirement I 2035 Fund – I Class – |
| T. Rowe Price Retirement I 2040 Fund – I Class – |
| T. Rowe Price Retirement I 2045 Fund – I Class – |
| T. Rowe Price Retirement I 2050 Fund – I Class – |
| T. Rowe Price Retirement I 2055 Fund – I Class – |
| T. Rowe Price Retirement I 2060 Fund – I Class – |
| T. Rowe Price Retirement I 2065 Fund – I Class – |
| Vanguard Extended Market Index Fund – |
| Vanguard Institutional Index Fund – |
| Victory Sycamore Established Value Fund – Class R6 – |
| American Funds Emerging Markets Bond Fund F-3 – |
| Artisan Global Unconstrained Fund – |
| Baird Core Plus Bond Fund CL International – |
| Calamos Funds Market Neutral Income A – |
| Calamos Funds Phineius Long/Short Fund Class I – |
| Institutional Class – |
| DFA Short Duration Real Return Instl – |
| Diamond Hill Funds Large Cap Fund Class I – |
| Diamond Hill Funds Small Mid Cap Fund Class I – |
| Dimensional Advisor Emerging Markets Value – |
| Dimensional Advisor US Large Cap Value – |
| Dimensional Advisor US Small Cap Value Port – |
| Dimensional Investment Group International Value ETF – |
| Dodge & Cox Income Fund Class I – |
| Fidelity Investments 500 Index Institutional Prem – |
| Fidelity Investments Contrafund II – |
| Fidelity Investments Equity Income II – |
| Fidelity Investments Growth & Income Fund – |
| Fidelity Investments Growth & Income II – |
| Fidelity Investments Int'l Bond Index Fund – |
| Fidelity Investments Investment Grade – |
| Fidelity Investments Large Cap Growth Index Intl – |
| Fidelity Investments Mid Cap Growth Index FD – |
| Fidelity Investments New Millennium – |
| Fidelity Investments Puritan – |
| Fidelity Investments Select Biotechnology – |
| Fidelity Investments Select Electronics – |
| Fidelity Investments Select Industrial Materials – |
| Fidelity Investments Select Technology – |
| Fidelity Investments Worldwide – |
| First Eagle Funds Global Fund Class I – |
| First Eagle Funds Small Cap Opportunity Fund Class I – |
| FMI Fund Investor Class – |
| Gabelli Gold Fund Class A – |
| Goldman Sachs Funds Rising Dividend Growth Fund Institutional Class – |
| GQG US Select Quality Equity Fund – |
| JP Morgan Funds Mid Cap Equity Fund Class I – |
| Loomis Sayles Core Plus Bond Fund Class Y – |
| Lord Abbett Bond Debenture Fund Class A – |
| Madison Funds Mid Cap $ – |
| Matthews Asia Growth Instl – |
| Morgan Stanley Mid Cap Growth – |
| New World Fund Fund Class F-3 – |
| Oakmark Funds Oakmark Fund – |
| Pacific Financial Group 0-15 Fund Class R – |
| Pacific Financial Group 30+ Fund Class Fund R – |
| Pacific Financial Group American Funds Growth Strategy Fund R – |
| Pacific Financial Group BR Equity ESG Strategy Class R – |
| Pacific Financial Group Equity Sector Strategy Fund Class R – |
| Pacific Financial Group Global Equity Index Strategy Fund Class R – |
| Pacific Financial Group Janus Henderson Balanced Strategy Class I – |
| Pacific Financial Group Tactical 0-30 Fund Class R – |
| Pacific Financial Group Tactical Income Strategy Fund Class R – |
| Pacific Financial Group Thematic ESG Strategy Class R – |
| PIMCO International Bond Fund Institutional Class – |
| Principal Diversified Real Asset A – |
| Seqall Bryant & Hamill Plus Bond Retail – |
| Thornburg Funds International Equity Fund – |
| T. Rowe Price Blue Chip Growth – |
| T. Rowe Price International Bond Fund – |
| T. Rowe Price Ultra Short-Term Bond Fund – |
| Toreador Explorer Class Investor – |
| Vanguard 500 Index Fund Admiral Shares – |
| Vanguard Small-Cap Growth Index Fund Admiral Shares – |
| Vanguard Target Retirement 2035 Fund – |
| Wasatch Funds Global Opp Investor – |
| Wasatch Funds Small Cap Value Investor – |
| Wells Fargo Precious Metals Fund Class A – |
| secured by participant account balances – |
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 CONCORD HOSPITAL 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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