ESP, INC. 401(K) PLAN Investment Options
Available Funds in ESP, INC. 401(K) PLAN
Below is the lineup of investment options available to participants in ESP, 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 |
|---|
| T. Rowe Price Science & Technology Fund (Class 1) – |
| John Hancock Multimanager 2025 Lifetime Portfolio – |
| John Hancock Multimanager 2035 Lifetime Portfolio – |
| John Hancock Multimanager Growth Lifestyle Portfolio – |
| Vanguard Growth Index Fund – |
| T. Rowe Price Blue Chip Growth Fund – |
| John Hancock Multimanager Balanced Lifestyle Portfolio – |
| T. Rowe Price Science & Technology Fund (Investor Class) – |
| John Hancock Multimanager 2040 Lifetime Portfolio – |
| John Hancock 500 Index Fund – |
| John Hancock Multimanager Aggressive Lifestyle Portfolio – |
| John Hancock Multimanager 2020 Lifetime Portfolio – |
| John Hancock Multimanager 2045 Lifetime Portfolio – |
| John Hancock Multimanager 2055 Lifetime Portfolio – |
| John Hancock U.S. Growth Fund – |
| Vanguard Mid Cap Growth ETF – |
| Vanguard Energy Fund – |
| Jennison Capital Appreciation Fund – |
| John Hancock Fundamental Large Cap Value – |
| Vanguard Small Cap Growth Index Fund – |
| Vanguard Small Cap Value Index Fund – |
| Vanguard Value Index Fund – |
| John Hancock Fundamental All Cap Core Fund – |
| T. Rowe Price Health Sciences Fund – |
| John Hancock Multimanager 2050 Lifetime Portfolio – |
| American Funds American Balanced Fund – |
| Invesco Global Fund – |
| John Hancock Mid Cap Index Fund – |
| John Hancock Multimanager 2060 Lifetime Portfolio – |
| American Funds The Growth Fund of America – |
| DFA Emerging Markets Value Fund – |
| John Hancock Multimanager 2015 Lifetime Portfolio – |
| John Hancock Small Cap Index Fund – |
| Vanguard Mid Cap Value ETF – |
| JPMorgan U.S. Equity Fund – |
| John Hancock Disciplined Value – |
| T. Rowe Price Equity Income – |
| John Hancock Multimanager Moderate Lifestyle – |
| PIMCO Real Return – |
| John Hancock Financial Industries Fund – |
| John Hancock International Growth – |
| SSGA International Equity Index Fund – |
| Franklin Templeton Franklin Small-Mid Growth – |
| John Hancock Multimanager 2010 Lifetime Portfolio – |
| DFA International Value – |
| T. Rowe Price Spectrum Income – |
| John Hancock Opportunistic Fixed Income – |
| John Hancock Mid Cap Growth Fund – |
| WAMCO High Yield Fund – |
| PIMCO All Asset – |
| American Funds Washington Mutual Investors Fund – |
| American Funds EuroPacific Growth Fund – |
| Invesco Small Cap Growth Fund – |
| T. Rowe Price Mid Value Fund – |
| Wellington Small Cap Stock Fund – |
| Black Rock Global Allocation Fund – |
| American Century Heritage Fund (Investor Class) – |
| John Hancock Disciplined Value International Fund – |
| Invesco EQV International Equity Fund – |
| Legg Mason ClearBridge Growth Fund – |
| John Hancock Multimanager Conservative Lifestyle Portfolio – |
| Wellington Small Cap Value Fund – |
| Franklin Templeton Mutual Beacon Fund – |
| John Hancock Strategic Income Opportunities Fund – |
| John Hancock Multimanager 2065 Lifetime Portfolio – |
| Franklin Templeton Templeton World – |
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 ESP, 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
Join our community and get data-driven insights about ESP, INC. 401(K) PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- Meta’s 401(k): 50% Match, Immediate Vesting, and $670M on the Table
- Making Sense of Mixed Signals
- Nike’s 401(k) Match Is Dollar-for-Dollar, Even When the Swoosh Is Struggling
- Tesla 401(k) Review: 50% Match Up to $3,000 — Is That Enough for TSLA Employees?
- Marathon Petroleum Thrift Plan Review: 117% Employer Match in the Energy Sector
- THE PROGRESSIVE 401(K) PLAN Review: 100% Match with 59% Match Rate
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
- more …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching ESP, INC. 401(K) PLAN
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
Related Plans
- NEXIUS SOLUTIONS, INC. 401(K) PLAN (338 participants, $9,376,897)
- ENGINEERING AND ENVIRONMENT (338 participants, $3,917,740)
- LOUREIRO ENGINEERING ASSOCIATES, INC. EMPLOYEE STOCK OWNERSHIP PLAN (338 participants, $20,560,000)
- E-PRO 401K PROGRAM (337 participants, $8,341,381)
- CRITICAL ENERGY INFRASTRUCTURE SERVICES, LLC 401(K) PLAN (339 participants, $11,506,321)