CULLEN PROFIT SHARING PLAN AND TRUST Investment Options
Available Funds in CULLEN PROFIT SHARING PLAN AND TRUST
Below is the lineup of investment options available to participants in CULLEN PROFIT SHARING PLAN AND TRUST. 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 |
|---|
| Clarion Lion Properties Fund 700.29 shares |
| Activision Blizzard Inc Face amount $100,000, at 3.40%, |
| Agilent Technologies Inc. Face amount $100,000, at 3.05%, |
| Altria Group Inc Face amount $100,000, at 4.40%, |
| Altria Group Inc. Face amount $50,000, at 2.45%, |
| American Electric Power Co Face amount $125,000, at 5.95%, |
| Autozone Inc Face amount $100,000, at 3.25%, |
| Bellsouth Telecom Inc. Face amount $86,000, at 7.00%, |
| Boston Properties LP Face amount $75,000, at 4.50%, |
| Broadridge Financial Face amount $200,000, at 2.90%, |
| CBRE Services, Inc. Face amount $125,000, at 4.875%, |
| Cincinnati Financial Corp Face amount $100,000, at 6.92%, |
| Citigroup Inc. Face amount $150,000, at 3.20%, |
| Comcast Corp Face amount $150,000, at 6.50%, |
| CVS Health Corp Face amount $125,000, at 5.70%, |
| Dentsply Sirona Inc. Face amount $175,000, at 3.25%, |
| Extra Space Storage LP Face amount $150,000, at 3.90%, |
| Equinix Inc. Face amount $100,000, at 1.25%, |
| Fiserv Inc. Face amount $150,000, at 3.20%, |
| Fortune Brands Face amount $200,000, at 4.00%, |
| Goldman Sachs Group Face amount $120,000, at 3.50%, |
| Harman Intl Face amount $125,000, at 4.15%, |
| Hubbell Inc Face amount $202,000, at 3.50%, |
| Hunt JB Trans. Services Inc Face amount $125,000, at 3.875%, |
| Jefferies Group LLC Face amount $50,000, at 1.30%, |
| JPMorgan Chase Financial Face amount $200,000, at 5.15%, |
| Lincoln National Corp Face amount $100,000, at 3.80%, |
| Lowes Cos Inc. Face amount $125,000, at 5.15%, |
| Marriott International Inc. Face amount $210,000, at 5.55%, |
| Martin Marietta Face amount $75,000, at 3.45%, |
| Metlife Inc. Face amount $125,000, at 5.70%, |
| Morgan Stanley DW & Co. Face amount $55,000, at 3.125%, |
| Occidental Petroleum Corp Face amount $100,000, at 3.40%, |
| Ohio St High Ed. Facility Face amount $100,000, at 3.60%, |
| Oneok Inc. Face amount $200,000, at 4.75%, |
| Oshkosh Corp Face amount $150,000, at 3.10%, |
| Owens Corning Face amount $100,000, at 5.70%, |
| Pacific Bell Face amount $50,000, at 7.125%, |
| Polaris Inc. Face amount $125,000, at 6.95%, |
| Principal Financial Grp Inc. Face amount $125,000, at 2.125%, |
| Prudential Financial Inc. Face amount $81,000, at 3.878%, |
| Republic Services Inc. Face amount $65,000, at 0.875%, |
| Roper Techs Face amount $100,000, at 3.80%, |
| Ryder Systems Inc. Face amount $100,000, at 6.60%, |
| Starbucks Corp. Face amount $100,000, at 2.55%, |
| Southwest Airlines Co. Face amount $150,000, at 2.625%, |
| Toll Bros Financial Corp Face amount $150,000, at 4.875%, |
| Tractor Supply Co. Face amount $175,000, at 5.25%, |
| Tyson Foods Inc. Face amount $150,000, at 3.55%, |
| U.S. Bancorp Face amount $125,000, at 5.00%, |
| U.S. Treasury Bill Face amount $150,000, at 0%, |
| United Techs Corp. Face amount $100,000, at 3.125%, |
| Verizon Communications Inc Face amount $125,000, at 3.875%, |
| Wells Fargo & Co. Face amount $100,000, at 3.00%, |
| Workday Inc. Face amount $125,000, at 3.70%, |
| WEC Energy Group Inc. Face amount $200,000, at 1.80%, |
| Xcel Energy Inc. Face amount $75,000, at 5.45%, |
| Allspring Allspring Core Bond |
| Artisan Artisan High Income Institutional Class |
| Artisan Artisan Intl Value |
| Baird Baird Core Plus Bond |
| Baird Baird Short Term Bond |
| Baird Baird Ultra Short Bond |
| Columbia Mortgage Opportunities Fund |
| Conestoga Conestoga Small Cap |
| Dodge & Cox Income Dodge & Cox Income |
| Federated Federated MDT Small Cap |
| Fidelity Mid Cap Index |
| Fidelity Advisor International Small Cap |
| Guggenheim Investments Guggenheim Macro Opportunities |
| Nuveen Large Cap Growth Index |
| T.Rowe Price T.Rowe Price Short Term Bond Class I |
| Touchstone Funds Group Touchstone Sands Capital Select |
| Vanguard Short Term Corp Bond |
| Vanguard Value Index Fund |
| Victory Victory Sycamore Small Company |
| Virtus KAR International Small-Cap |
| WCM Investment WCM Focused International Growth |
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 CULLEN PROFIT SHARING PLAN AND TRUST. 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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