MAINTECH 401(K) RETIREMENT PLAN AND TRUST Investment Options
Available Funds in MAINTECH 401(K) RETIREMENT PLAN AND TRUST
Below is the lineup of investment options available to participants in MAINTECH 401(K) RETIREMENT 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 Beacon Advisors American Beacon Small Cap Value Fund Class Y |
| American Funds 2010 Target Date Retire R2 |
| American Funds 2020 Target Date Retire R2 |
| American Funds 2030 Target Date Retire R2 |
| American Funds 2040 Target Date Retire R2 |
| American Funds 2050 Target Date Retire R2 |
| American Funds American Balanced R4 |
| American Funds EuroPacific Growth Fund – Class R |
| BlackRock Advisors Advantage Large Cap Core Fund – Class R |
| BlackRock Advisors Mid Cap Growth Equity Portfolio – Class R |
| ClearBridge Investments International Growth Fund – Class R |
| DFA US Micro Cap Portfolio – Institutional Class |
| Delaware Funds by Macquarie Delaware Value Fund R |
| Goldman Sachs Small Cap Value Insights Fund – Class R |
| Invesco S&P 500 Index Y |
| Loomis Sayles Investment Grade Bond Fund |
| MassMutual Premier Inflation-Protected and Income Fund – Class R4 |
| Nuveen Mid Cap Value Fund – Class A |
| Pioneer Investments Bond Fund – Class R |
| T. Rowe Price Growth Stock |
| Vanguard High-Yield Corporate Adm |
| Vanguard Inflation-Protected Secs Adm |
| TD Ameritrade Participant directed investments |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| HARTFORD CORE EQUITY FUND R5 |
| PIONEERBONDFUND-R |
| MACQUARIE VALUE R |
| BLACKROCK MID CAP GR EQUITY-R |
| BLACKROCK ADV LARGE CAP R |
| GOLDMAN SMALL CAP VALUE R |
| VANGUARD TOT INTL STK IND ADM |
| AMERFDS 2050 TARG DATE RET-R2 |
| AMERFDS 2030 TARG DATE RET-R2 |
| AMERICAN FUNDS AMER BAL – R4 |
| AMERFDS 2010 TARG DATE RET-R2 |
| MASSMUTUAL INFL PROT INC R4 |
| VAN INFL PROTECTED SEC – ADMR |
| LOOMIS SAYLES INV GRADE BND AD |
| DFA US MICRO CAP PORT INST |
| AMERICAN BEACON SM CP VL Y |
| NUVEEN MID CAP VALUE 1 FUNDA |
| HARTFORD INTL OPPS R5 |
| CLEARBRIDGE INTL GROWTH R |
| AMERFDS 2040 TARG DATE RET-R2 |
| AMF AMERICAN MUTUAL R2E |
| INVESCO S&P 500 INDEX A |
| AMERFDS 2020 TARG DATE RET-R2 |
| AM FNDS EUROPACIFIC GROWTH -R3 |
| VANG HI YLD CORP ADM |
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 MAINTECH 401(K) RETIREMENT 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
- Dividend stock funds
- Passive real estate investments
- more …
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