ONE HOPE UNITED 403(B) PLAN Investment Options
Available Funds in ONE HOPE UNITED 403(B) PLAN
Below is the lineup of investment options available to participants in ONE HOPE UNITED 403(B) 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 |
|---|
| ARTISAN ARTISAN HIGH INCOME INSTITUTIONAL |
| BAIRD BAIRD CORE PLUS BOND INST |
| BARON BARON SMALL CAP INSTL |
| BLACKROCK EVENT DRIVEN EQUITY |
| COLUMBIA DIVIDEND INCOME |
| HARDING LOEVNER HARDING LOEVNER INTERNATIONAL EQ |
| FEDERATED HERMES FEDERATED SHORT-TERM INCOME SERVICE |
| HARBOR CAPITAL HARBOR CAPITAL APPRECIATION RETIREMENT |
| GATEWAY GATEWAY FUND |
| GOLDMAN SACHS ABS RETURN TRACKER |
| GOLDMAN SACHS SMALL/MID CAP GROWTH |
| INVESCO OPPENHEIMER DEVELOPING MRKTS |
| JP MORGAN J P MORGAN MID CAP VALUE |
| LAZARD LAZARD GLOBAL LISTED INFRASTRUCTURE |
| COHEN & STEERS COHEN & STEERS REALTY SHARES |
| T.ROWE PRICE T. ROWE PRICE 2020 FUND |
| T.ROWE PRICE T. ROWE PRICE 2025 FUND |
| T.ROWE PRICE T. ROWE PRICE 2030 FUND |
| T.ROWE PRICE T. ROWE PRICE 2035 FUND |
| T.ROWE PRICE T. ROWE PRICE 2040 FUND |
| T.ROWE PRICE T. ROWE PRICE 2044 FUND |
| T.ROWE PRICE T. ROWE PRICE 2050 FUND |
| T.ROWE PRICE T. ROWE PRICE 2055 FUND |
| T.ROWE PRICE T. ROWE PRICE 2060 FUND |
| T.ROWE PRICE T. ROWE PRICE 2065 FUND |
| T.ROWE PRICE T. ROW PRICE RETIREMENT BALANCED |
| JP MORGAN UNDISCOVERED MGRS BEHAVIORAL VALUE |
| VANGUARD 500 INDEX FUND – ADMIRAL |
| VANGUARD INFLATION PROECTED – ADMIRAL |
| VANGUARD MID CAP INDEX ADM |
| VANGUARD SMALL CAP INDEX FUND – ADMIRAL |
| 1TRDBX 71,781.29 |
| 1TREHX 117,054.52 |
| 1TRFHX 505,856.52 |
| 1TRFJX 213,338.54 |
| 1TRHDX 588,097.76 |
| 1TRIKX 160,199.32 |
| 1TRJLX 658,890.59 |
| 1TRJMX 345,145.47 |
| 1TRLNX 406,567.56 |
| 1TRMOX 106,806.52 |
| 1TRJWX 19,973.68 |
| 1HLIZX 650,307.73 |
| 1ODVIX 202,153.88 |
| 1VTIAX 10,824.63 |
| 1BILPX 129,009.59 |
| 1CSJIX 7,262.86 |
| 1GTEYX 148,833.27 |
| 1GLIFX 255,934.18 |
| 1BSFIX 10,770.05 |
| 1UBVLX 172,875.35 |
| 1VSMAX 30,592.22 |
| 1GSMYX 212,688.29 |
| 1FLMVX 196,936.72 |
| 1VIMAX 19,730.30 |
| 1CDDYX 398,820.07 |
| 1HNACX 489,239.07 |
| 1VFIAX 510,321.73 |
| 1APHFX 146,151.17 |
| 1BCOIX 1,131,418.03 |
| 1FSTIX 451,926.09 |
| 1GJRTX 131,222.14 |
| 1VAIPX 167,094.07 |
| 1FD-CAR 35,377.07 |
| FORFEITURES 66,342.83 |
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 ONE HOPE UNITED 403(B) 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
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