INTERDIGITAL SAVINGS AND PROTECTION PLAN Investment Options
Available Funds in INTERDIGITAL SAVINGS AND PROTECTION PLAN
Below is the lineup of investment options available to participants in INTERDIGITAL SAVINGS AND PROTECTION 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 |
|---|
| Exhibits |
| Signatures |
| American Century Mid Cap Value Fund Class R6 |
| American Funds EuroPacific Growth Fund Class R6 |
| BlackRock High Yield Bond Institutional Fund |
| Carillon Eagle Mid Cap Growth Fund Class R6 |
| Dodge & Cox Income Fund Class I |
| Fidelity 500 Index Fund |
| Fidelity Advisor Focused Emerging Markets I Fund |
| Fidelity Small Cap Growth Fund Class K6 |
| JPMorgan Large Cap Growth Fund Class R6 |
| Undiscovered Managers Behavioral Value Fund Class R6 |
| Vanguard Equity-Income Admiral Fund |
| Vanguard Small Cap Index I Fund |
| Vanguard Target Retirement 2020 Fund |
| Vanguard Target Retirement 2030 Fund |
| Vanguard Target Retirement 2040 Fund |
| Vanguard Target Retirement 2050 Fund |
| Vanguard Target Retirement 2060 Fund |
| Vanguard Target Retirement 2070 Fund |
| Vanguard Target Retirement Income Investment Fund |
| Stable Pooled Fund* Investments in common trusts |
| American Century Mid Cap Val R6 |
| American Funds EuroPacific Gr R6 |
| Blackrock High Yield Portfolio Instl |
| Eagle Carillon Eagle Mid Cap Gr R6 |
| Dodge & Cox Dodge & Cox Inc I |
| Fidelity 500 Index |
| Fidelity Adv Focus Emerging Mkt I |
| Fidelity Small Cap Gr K6 |
| JPMorgan Lg Cap Gr R6 |
| JP Morgan Undiscovered Mgrs Behavioral Val R6 |
| Vanguard Eq Inc Adm |
| Vanguard REIT Index Adm |
| Vanguard Small Cap Index Inst |
| Vanguard Target Retrmnt 2020 |
| Vanguard Target Retrmnt 2030 |
| Vanguard Target Retrmnt 2040 |
| Vanguard Target Retrmnt 2050 |
| Vanguard Target Retrmnt 2060 |
| Vanguard Target Retrmnt 2070 Inv |
| Vanguard Target Retrmnt Inc |
| Interdigital Interdigital Communications St |
| Transamerica Ret Solutions Corp Stable Pooled 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 INTERDIGITAL SAVINGS AND PROTECTION 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
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