HEFTY SEED COMPANY 401(K) PLAN AND TRUST Investment Options
Available Funds in HEFTY SEED COMPANY 401(K) PLAN AND TRUST
Below is the lineup of investment options available to participants in HEFTY SEED COMPANY 401(K) 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 |
|---|
| American Funds EuroPacific Growth Ret Opt |
| American Funds Balanced Ret Opt |
| American Funds New Perspective Ret Opt |
| Franklin Templeton Franklin Growth Series Ret Opt |
| Franklin Templeton Franklin Small Cap Value Ret Opt |
| Franklin Templeton Franklin Small-Mid Cap Growth Ret Opt |
| Goldman Sachs Mid Cap Value Ret Opt |
| Invesco Comstock Ret Opt |
| Janus Henderson Triton Ret Opt |
| Loomis Sayles Loomis Sayles Bond Ret Opt |
| State Street Prtn Series with TA Aggr Growth Ret Opt |
| State Street Prtn Series with TA Conserv Ret Opt |
| State Street Prtn Series with TA Mod Growth Ret Opt |
| State Street S&P Mid Cap Index Ret Opt |
| Franklin Templeton Templeton Global Bond Ret Opt |
| Vanguard REIT Index Ret Opt |
| Vanguard Small Cap Index Ret Opt |
| Transamerica Life Ins Co American Fds New Prspctv Ret Opt |
| Transamerica Life Ins Co Franklin Gr Series Ret Opt |
| Transamerica Life Ins Co Franklin Small-Mid Cap Gr Ret Opt |
| Transamerica Life Ins Co Invesco Comstock Ret Opt |
| Transamerica Life Ins Co Transamerica LG 2025 BlackRock |
| Transamerica Life Ins Co Transamerica LG 2040 BlackRock |
| Transamerica Life Ins Co Transamerica LG 2050 BlackRock |
| Transamerica Life Ins Co Transamerica LG 2060 BlackRock |
| Transamerica Life Ins Co Transamerica LG D BlackRock Opt |
| Transamerica Life Ins Co TA Vanguard Ttl Stock Mkt Idx Opt |
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 HEFTY SEED COMPANY 401(K) 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
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