CONSUMER PORTFOLIO SERVICES, INC. 401(K) PLAN Investment Options
Available Funds in CONSUMER PORTFOLIO SERVICES, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in CONSUMER PORTFOLIO SERVICES, 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 |
|---|
| Vanguard 1VFIAX Vanguard 500 Index Admiral $ 8 ,841,690 |
| Consumer Portfolio Services, Inc. 1CPSSTK Consumer Portfolio Services, Inc. Common Stock |
| Guaranteed Interest Account 1MGDYB3 Guaranteed Interest Account |
| Franklin 1FIFRX Franklin Growth R6 3 ,333,992 |
| Vanguard 1VIGAX Vanguard Growth Index Adm 2 ,402,629 |
| American Funds 1RLBGX American Funds American Balanced R6 |
| American Funds 1RFUTX American Funds 2060 Trgt Date Retire R6 |
| American Funds 1RFGTX American Funds 2040 Trgt Date Retire R6 |
| American Funds 1RFKTX American Funds 2055 Trgt Date Retire R6 |
| Vanguard 1VBIAX Vanguard Balanced Index Adm 2 ,014,936 |
| American Funds 1RFITX American Funds 2050 Trgt Date Retire R6 |
| Dodge & Cox 1DODGX Dodge & Cox Stock – I 1 ,791,362 |
| American Funds 1RFFTX American Funds 2035 Trgt Date Retire R6 |
| American Funds 1RFHTX American Funds 2045 Trgt Date Retire R6 |
| Vanguard 1VSMGX Vanguard LifeStrategy Moderate Growth |
| American Funds 1RLLGX American Funds SMALLCAP World R6 |
| Vanguard 1VIMAX Vanguard Mid Cap Index Fund – Admiral 1 ,069,391 |
| American Funds 1RFETX American Funds 2030 Trgt Date Retire R6 |
| Dimensional Fund Advisors 1DGEIX DFA Global Equity I 8 |
| Vanguard 1VASGX Vanguard LifeStrategy Growth Inv 9 |
| American Funds 1RBFGX American Funds Bond Fund of Amer R6 1 ,035,044 |
| Vanguard 1VIPIX Vanguard Inflation-Protected Secs I 9 |
| American Funds 1RFDTX American Funds 2025 Trgt Date Retire R6 |
| Vanguard 1VTMGX Vanguard Developed Markets Index Admiral 6 |
| Vanguard 1VSMAX Vanguard Small Cap Index Adm 6 |
| MassMutual 1MSCDX MassMutual Small Cap Opportunities R5 |
| American Funds 1RRCTX American Funds 2020 Trgt Date Retire R6 6 |
| Vanguard 1VSCGX Vanguard LifeStrategy Cnsrv Gr Inv 5 |
| BlackRock 1BRHYX BlackRock High Yield Bond Portfolio K 4 |
| BlackRock 1BMGKX BlackRock Mid-Cap Growth Equity K |
| Cohen & Steers 1CSRIX Cohen & Steers Instl Realty Shares |
| American Funds 1RFJTX American Funds 2015 Trgt Date Retire R6 10,718 |
| American Funds 1RFTTX American Funds 2010 Trgt Date Retire R6 10,372 |
| Notes receivable from participants 4.25% – 9.50% maturing between Jan. 2025 and Nov. 2032 |
| 1BMGKX 317,048.11 |
| 1BRHYX 456,568.02 |
| 1CPSSTK 672,313.75 |
| 1CSRIX 129,049.59 |
| 1DGEIX 893,902.87 |
| 1DODGX 1,791,362.17 |
| 1FIFRX 3,333,992.41 |
| 1MSCDX 636,761.34 |
| 1RBFGX 1,035,043.52 |
| 1RFDTX 798,619.28 |
| 1RFETX 1,172,493.01 |
| 1RFFTX 1,782,888.14 |
| 1RFGTX 2,201,306.39 |
| 1RFHTX 1,758,892.16 |
| 1RFITX 1,877,102.47 |
| 1RFJTX 10,718.09 |
| 1RFKTX 2,056,439.27 |
| 1RFTTX 10,368.81 |
| 1RFUTX 2,182,643.17 |
| 1RLBGX 3,134,570.10 |
| 1RLLGX 1,218,247.49 |
| 1RRCTX 610,889.11 |
| 1VASGX 911,440.88 |
| 1VBIAX 2,014,935.67 |
| 1VFIAX 8,841,690.04 |
| 1VIGAX 2,402,629.06 |
| 1VIMAX 1,069,390.82 |
| 1VIPIX 907,526.62 |
| 1VSCGX 570,422.48 |
| 1VSMAX 613,502.13 |
| 1VSMGX 1,615,998.66 |
| 1VTMGX 688,236.42 |
| 1MGDYB3 3.000 5,063,883.21 |
| FORFEITURES 4,717.45 |
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 CONSUMER PORTFOLIO SERVICES, 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
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