ONEBLOOD 403(B) RETIREMENT PLAN Investment Options
Available Funds in ONEBLOOD 403(B) RETIREMENT PLAN
Below is the lineup of investment options available to participants in ONEBLOOD 403(B) RETIREMENT 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 |
|---|
| Vanguard 500 Index Admiral Shares |
| JPMorgan JPM Smart Retirement 2035 R6 Fund |
| JPMorgan JPM Smart Retirement 2045 R6 Fund |
| JPMorgan JPM Smart Retirement 2030 R6 Fund |
| JPMorgan JPM Smart Retirement 2025 R6 Fund |
| JPMorgan JPM Smart Retirement 2040 R6 Fund |
| JPMorgan JPM Smart Retirement 2050 R6 Fund |
| JPMorgan JPM Smart Retirement 2055 R6 Fund |
| JPMorgan JPM Smart Retirement 2060 R6 Fund |
| JPMorgan JPM Smart Retirement 2020 R6 Fund |
| The Hartford The Hartford International Opportunities R6 Fund |
| T. Rowe T. Rowe Price Capital Appreciation I Fund |
| John Hancock Disciplined Value Mid Cap R6 Fund |
| American Beacon Stephens Mid Cap Growth R6 Fund |
| JPMorgan JPM Smart Retirement 2065 R6 Fund |
| JPMorgan JPM Smart Retirement Income R6 Fund |
| Dimensional DFA US Small Cap Value Institutional Class |
| Franklin Templeton Clearbridge Small Cap Growth IS Fund |
| Vanguard Extended Market Index Admiral Shares |
| Principal Diversified Real Asset R6 Fund |
| Equitable Equitable Guaranteed Interest Account |
| Voya Voya Solution 2045 Portfolio Service 2 Fund |
| Voya Voya Fixed Plus Account II |
| Equitable Equitable Moderate Plus Allocation Fund |
| Equitable Equitable Common Stock |
| VALIC Valic Co I Aggressive Growth Lifestyle Fund |
| VALIC Valic Co I Systematic Growth Fund |
| Voya Voya Solution 2035 Portfolio Service 2 Fund |
| Equitable Equitable Large Cap Value Managed Volume Fund |
| Voya Voya Solution 2025 Portfolio Service 2 Fund |
| VALIC Valic Co I Moderate Growth Lifestye Fund |
| VALIC Valic Co I Core Bond Fund |
| Voya Fidelity VIP Contrafund Portfolio Initial Fund |
| Equitable Equitable Moderate Allocation Fund |
| VALIC Valic Mid Cap |
| VALIC Fixed Account Plus |
| VALIC Valic Small Cap |
| Voya Voya Large Cap Value Portfolio Fund – Institutional Class |
| Voya Voya Growth and Income Portfolio S Fund |
| Equitable Equitable Multimanager Aggressive Equity Fund |
| VALIC Valic Co I International Value Fund |
| Voya Voya Mid Cap Opportunity Portfolio S Fund |
| Equitable Equitable 1290 VT GAMCO Small Company Value Fund |
| VALIC Valic International Equities |
| Voya Voya Intermediate Bond Portfolio I Fund |
| Voya Franklin Small Cap Value VIP 2 Fund |
| Equitable Equitable Global Equity Managed Volume Fund |
| Voya American Funds EuroPacific Growth R3 Fund |
| Equitable Equitable Mid Cap Value Managed Volume Fund |
| Voya Voya Index Plus Large Cap Portfolio I Fund |
| Equitable Equitable 1290 VT Small Cap Value Fund |
| Voya Neuberger Berman Sustainable Equity Fund – Trust Class |
| Equitable Equitable Aggressive Allocation Fund |
| Equitable Equitable International Core Managed Volume Fund |
| Voya Voya Index Plus Midcap Portfolio I Fund |
| Voya VY T. Rowe Price Capital Appreciation Portfolio Fund – Service Class |
| Equitable Equitable Blackrock Basic Value Equity Fund |
| Equitable Equitable Equity |
| Equitable Equitable Conservative Plus Allocation Fund |
| Voya Voya Solution 2055 Portfolio Service 2 Fund |
| Voya Voya Intermediate Bond A Fund |
| Equitable Equitable Small Company |
| Voya Voya High Yield Portfolio Fund – Institutional Class |
| Voya Voya Solution Income Portfolio Service 2 Fund |
| VALIC Short Term Fixed Account |
| Equitable Equitable International Value Managed Volume Fund |
| Equitable Equitable AB Small Cap Growth Portfolio Fund |
| Equitable Equitable Mid Cap |
| Equitable Equitable Pimco Ultra Short Bond |
| Equitable Equitable Core Plus Bond |
| 4.25% to 9.50%; maturing through April 2038 |
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 ONEBLOOD 403(B) RETIREMENT 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
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