DYOPATH 401(K) SAVINGS PLAN 003 Investment Options
Available Funds in DYOPATH 401(K) SAVINGS PLAN 003
Below is the lineup of investment options available to participants in DYOPATH 401(K) SAVINGS PLAN 003. 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 |
|---|
| DYOPATH 401(k) Savings Plan |
| Voya American Funds Am Balanced R6 |
| Voya American Funds Fdmntl Inv R6 |
| Voya American Funds New World R6 |
| Voya American Funds Nw Prspctv R6 |
| Voya ClrBrg SmCp Grw Fd IS |
| Voya DFA Infl-Prot Sec Port Ins |
| Voya DFA US Targeted Vl Port Ins |
| Voya Inv Opp Intl Growth R6 |
| Voya Invesco Divrsd Dividend Fd R6 |
| Voya JPMorgan LgCp Grw Fnd R6 |
| Voya MFS Value Fund R6 |
| Voya Neuberg Berm MdCp Grw Fnd R6 |
| Voya PGIM High Yield Fund R6 |
| Voya Pioneer Strategic Income Fnd K |
| Voya Vangrd 500 Index Fund Adm |
| Voya Vangrd LifeStrat Cns Gr Fd Inv |
| Voya Vangrd LifeStrat Grw Fd Inv |
| Voya Vangrd Mid-Cap Index Fund Adm |
| Voya Vangrd Small-Cap Index Fnd Adm |
| Voya Vangrd Tot Int Stk In F Adm |
| Voya Vangrd Trgt Retire 2020 Fd |
| Voya Vangrd Trgt Retire 2025 Fd |
| Voya Vangrd Trgt Retire 2030 Fd |
| Voya Vangrd Trgt Retire 2035 Fd |
| Voya Vangrd Trgt Retire 2040 Fd |
| Voya Vangrd Trgt Retire 2045 Fd |
| Voya Vangrd Trgt Retire 2050 Fd |
| Voya Vangrd Trgt Retire 2055 Fd |
| Voya Vangrd Trgt Retire 2060 Fd |
| Voya Vangrd Trgt Retire 2065 Fd |
| Voya Vangrd Trgt Retire Inc Fd |
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 DYOPATH 401(K) SAVINGS PLAN 003. 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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