FOOTHILL FAMILY SERVICE 403B PLAN Investment Options
Available Funds in FOOTHILL FAMILY SERVICE 403B PLAN
Below is the lineup of investment options available to participants in FOOTHILL FAMILY SERVICE 403B 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 |
|---|
| Nuveen Lifcyc In 2040 F R6 $ – |
| Nuveen Lifcyc In 2035 F R6 |
| Fidelity Investments Fidelity |
| Nuveen Lifcyc In 2045 F R6 |
| Nuveen Lifcyc In 2050 F R6 |
| Nuveen Lifcyc In 2055 F R6 |
| Nuveen Lifcyc In Rt I F R6 |
| JPMorgan LgCp Grw Fnd R6 |
| Nuveen Lifcyc In 2060 F R6 |
| Nuveen Lifcyc In 2030 F R6 |
| Nuveen Lifcyc In 2025 F R6 |
| AB Cap Fund AB Small Cap Grw Port K |
| American Funds EUPAC Fund R6 |
| American Century Investments America Centry Mid Cap Value Fund R6 |
| American Century Investments America Centry Small Cap Value Fund R6 |
| Nuveen Lifcyc In 2065 F R6 |
| DWS DWS Capital Growth VIP |
| Calvert Investments Calvert VP SRI Balanced Portfolio |
| MFS Mid Cap Growth Fund R3 |
| American Century Investments American Century Investments VP Capital Appreciation Fund |
| Fidelity Investments Fidelity VIP Asset Manager Portfolio |
| The Vanguard Group, Inc. Vanguard VIF Diversified Value Portfolio |
| Fidelity Investments Fidelity VIP Mid Cap Portfolio |
| Nuveen Lifcyc In 2010 F R6 |
| Nuveen Lifcyc In 2020 F R6 |
| The Vangrd Ground Inc. Vanguard VIF International Portfolio |
| The Vangrd Ground Inc. Vangrd Federal Mny Mkt Fd Inv |
| Invesco V.I. Main Street Fund |
| Fidelity Mid Cap Idx Fd |
| Putnam Lrg Cp Val Fd – Cl Y |
| Fidelity VIP Contrafund Portfolio |
| Fidelity Investments Fid US Bd Id Fd |
| Fidelity Investments Fidelity Intl Index Fnd |
| Fidelity Investments Fidelity VIP Equity-Income Portfolio |
| Voya Financial Voya Fixed Plus Account III $ – |
| AB Small Cap Grw Port K Registered Investment Company |
| AmCen Mid Cap Value Fund R6 Registered Investment Company |
| AmCen Small Cap Value Fund R6 Registered Investment Company |
| American Funds EuroPacific R6 Registered Investment Company |
| Fid US Bd Id Fd Registered Investment Company |
| Fidelity 500 Index Fund Registered Investment Company |
| Fidelity Intl Index Fnd Registered Investment Company |
| Fidelity Mid Cap Idx Fd Registered Investment Company |
| JPMorgan LgCp Grw Fnd R6 Registered Investment Company |
| MFS Mid Cap Growth Fund R3 Registered Investment Company |
| Nuveen Lifcyc In 2010 F R6 Registered Investment Company |
| Nuveen Lifcyc In 2020 F R6 Registered Investment Company |
| Nuveen Lifcyc In 2025 F R6 Registered Investment Company |
| Nuveen Lifcyc In 2030 F R6 Registered Investment Company |
| Nuveen Lifcyc In 2035 F R6 Registered Investment Company |
| Nuveen Lifcyc In 2040 F R6 Registered Investment Company |
| Nuveen Lifcyc In 2045 F R6 Registered Investment Company |
| Nuveen Lifcyc In 2050 F R6 Registered Investment Company |
| Nuveen Lifcyc In 2055 F R6 Registered Investment Company |
| Nuveen Lifcyc In 2060 F R6 Registered Investment Company |
| Nuveen Lifcyc In 2065 F R6 Registered Investment Company |
| Nuveen Lifcyc In Rt I F R6 Registered Investment Company |
| Putnam Lrg Cp Val Fd – Cl Y Registered Investment Company |
| Vangrd Federal Mny Mkt Fd Inv Registered Investment Company |
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 FOOTHILL FAMILY SERVICE 403B 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
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 …
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