INTERRA CREDIT UNION 401(K) PLAN AND TRUST Investment Options
Available Funds in INTERRA CREDIT UNION 401(K) PLAN AND TRUST
Below is the lineup of investment options available to participants in INTERRA CREDIT UNION 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 Option List |
|---|
| Guaranteed Interest Account 1 04,334 Units |
| BlackRock Lifepath Ret K 1 17,400 Shares |
| BlackRock Lifepath 2030 K 3 6,760 Shares (STLDX) |
| BlackRock Lifepath 2035 K 1 25,389 Shares (LPJCX) |
| BlackRock Lifepath 2040 K 1 66,970 Shares (STLEX) |
| BlackRock Lifepath 2045 K 1 24,463 Shares (LPHRX) |
| BlackRock Lifepath 2050 K 1 31,699 Shares (LPRFX) |
| BlackRock Lifepath 2055 K 8 7,462 Shares (LEVAX) |
| BlackRock Lifepath 2060 K 6 1,014 Shares (BAPAX) |
| BlackRock Lifepath 2065 K 2 8,122 Shares (LIWAX) |
| Dodge & Cox Income Fund 7 5,740 Shares (DODIX) |
| Pimco Real Return Fund (I) 1 4,671 Shares (PRLPX) |
| Fidelity US Bond Index 2 7,186 Shares |
| JP Morgan Equity Income R6 1 53,216 Shares |
| Fidelity 500 Index 2 3,954 Shares (FUSEX) |
| Fidelity Large Cap Growth IDX 1 21,489 Shares (FSLGX) |
| DFA US Small Cap I 1 6,537 Shares |
| Fidelity Mid Cap Index 2 6,040 Shares (FIIMX) |
| Fidelity Small Cap Index 5 ,612 Shares (FSISX) |
| DFA International Core Equity Class I 7 7,640 Shares (DSCLX) |
| Fidelity Global EX US Index 3 7,759 Shares |
| Vanguard REIT Index Fund (Sig) 1 ,845 Shares (VGSIX) |
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 INTERRA CREDIT UNION 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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- 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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