OPERATING ENGINEERS LOCAL 428 ANNUITY TRUST FUND Investment Options
Available Funds in OPERATING ENGINEERS LOCAL 428 ANNUITY TRUST FUND
Below is the lineup of investment options available to participants in OPERATING ENGINEERS LOCAL 428 ANNUITY TRUST FUND. 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.
Total Available Funds: 159
| Investment Description |
|---|
| AT & T Inc Com N/A N/A 1 5,800 |
| Charter Communications Inc N/A N/A 2 95 |
| Comcast Corp Cl A N/A N/A 7 ,900 |
| Fox Corp CI A Com N/A N/A 3 ,900 |
| Meta Platform Inc N/A N/A 3 00 |
| Nexstar Media Group Inc Common Stock N/A N/A 3 00 |
| Tegna Inc Com N/A N/A 3 ,300 |
| Verizon Communications Inc Com N/A N/A 8 ,200 |
| Autoliv Inc N/A N/A 1 ,100 |
| Autonation Inc N/A N/A 7 00 |
| Best Buy Inc Com N/A N/A 7 00 |
| Boyd Gaming Co Inc N/A N/A 1 ,200 |
| Carter Inc Com N/A N/A 1 ,100 |
| Crocs Inc Com N/A N/A 6 00 |
| Dine Brands Global Inc N/A N/A 1 ,000 |
| Ebay Inc Com N/A N/A 4 ,500 |
| Ford Mtr Co Del Com N/A N/A 8 ,300 |
| General Motors Co Com N/A N/A 5 ,300 |
| Goodyear Tire & Rubr Co Com N/A N/A 5 ,100 |
| Harley Davidson Inc Com N/A N/A 2 ,200 |
| Kohls Corp Com N/A N/A 1 ,800 |
| Lear Corp Com New N/A N/A 4 10 |
| MGM Resorts International N/A N/A 2 ,300 |
| Macy's Inc N/A N/A 4 ,500 |
| Meritage Homes Corp Com N/A N/A 7 00 |
| PVH Corp N/A N/A 7 00 |
| Perdoceo Education Corp N/A N/A 2 ,724 |
| Pulte Group Inc Com N/A N/A 1 ,900 |
| Whirlpool Corp Com N/A N/A 6 00 |
| Albertsons Cos Inc N/A N/A 4 ,600 |
| Altria Group Inc N/A N/A 5 ,100 |
| Bunge Global SA N/A N/A 9 00 |
| The Campbell's Company N/A N/A 2 ,100 |
| Conagra Brands, Inc N/A N/A 4 ,200 |
| General Mills N/A N/A 2 ,150 |
| Kraft Heinz Co Com N/A N/A 5 ,260 |
| Kroger Co Com N/A N/A 4 ,600 |
| Molson Coors Beverage Company N/A N/A 3 ,300 |
| JM Smucker Co/The-New Com WI N/A N/A 8 60 |
| Spectrum Brands Hldgs Inc N/A N/A 9 00 |
| Walgreens Boots Alliance Inc Com N/A N/A 1 ,900 |
| California Resources Corp N/A N/A 1 ,640 |
| Conocophillips N/A N/A 8 92 |
| Exxon Mobile Corp Com N/A N/A 2 ,200 |
| Hf Sinclair Corporation Com N/A N/A 1 ,700 |
| Halliburton Co N/A N/A 5 ,100 |
| Marathon Pete Corp Com N/A N/A 1 ,000 |
| Matador Resources Co N/A N/A 1 ,840 |
| Phillips 66 Com N/A N/A 1 ,100 |
| Scorpio Tankers Inc N/A N/A 1 ,330 |
| Valero Energy Corp New Com N/A N/A 5 00 |
| AFLAC Inc Com N/A N/A 9 00 |
| American Finl Group Inc Ohio Com N/A N/A 7 00 |
| Ameriprise Finl Inc Com N/A N/A 3 00 |
| Amrican Intl Group Inc Com New N/A N/A 1 ,800 |
| Annaly Capital Management Inc Com N/A N/A 2 ,375 |
| Bank New York Mellon Corp Com N/A N/A 4 ,000 |
| Bank of America Corp Com N/A N/A 4 ,500 |
| Blue Owl Capital Corporation N/A N/A 5 ,100 |
| Citigroup Inc Com New N/A N/A 4 ,000 |
| Citizens Financial Group Inc Com N/A N/A 2 ,700 |
| Corebridge Financial Inc N/A N/A 2 ,300 |
| Discover Fin Services Com N/A N/A 1 ,600 |
| Everest RE Group LTD N/A N/A 3 00 |
| Fifth Third Bancorp Com N/A N/A 3 ,700 |
| First Horizon Corp N/A N/A 8 ,400 |
| Goldman Sachs Group Inc Com N/A N/A 7 00 |
| Hartford Finl Svcs Group Inc Com N/A N/A 2 ,000 |
| JPMorgan Chase & Co Com N/A N/A 6 00 |
| Lincoln Natl Corp Ind Com N/A N/A 3 ,000 |
| M&T BK Corp N/A N/A 3 00 |
| MGIC Invt Corp WIS N/A N/A 4 ,400 |
| NCR Atleos Corporation N/A N/A 1 ,050 |
| Paypal Holdings Inc N/A N/A 2 ,500 |
| Radian Group Inc Com – PNC N/A N/A 3 ,900 |
| Regions Finl Corp New Com N/A N/A 5 ,900 |
| State Street Corp Com N/A N/A 2 ,900 |
| Stifel Finl Corp N/A N/A 6 00 |
| Unumprovident Corp Com N/A N/A 3 ,200 |
| Wells Fargo & Co New Com N/A N/A 4 ,500 |
| Zions Bancorporation NA N/A N/A 1 ,800 |
| Baxter International Inc N/A N/A 2 ,700 |
| Biogen Inc N/A N/A 7 00 |
| Bristol Myers Squibb Co Com N/A N/A 4 ,700 |
| Centene Corp N/A N/A 1 ,600 |
| CVS Health Corporation N/A N/A 2 ,895 |
| Davita Inc N/A N/A 5 00 |
| Exelixis Inc N/A N/A 3 ,772 |
| Gilead Sciences Inc Com N/A N/A 3 ,200 |
| HCA Healthcare Inc N/A N/A 7 00 |
| Incyte Corporation N/A N/A 1 ,800 |
| Inmode LTD N/A N/A 2 ,600 |
| Jazz Pharmaceuticals PLC N/A N/A 1 ,200 |
| Johnson & Johnson N/A N/A 1 ,150 |
| Lantheus Holdings Inc N/A N/A 6 00 |
| Merck & Co Inc New Com N/A N/A 2 ,800 |
| Organon & Co Common Stock N/A N/A 1 ,400 |
| Pfizer Inc Com N/A N/A 9 ,100 |
| Universal Health Svcs Inc Cl B N/A N/A 7 00 |
| Viatris Com N/A N/A 4 ,900 |
| CNH Industrial NV Sedol N/A N/A 9 ,200 |
| Acuity Brands Inc Com N/A N/A 3 00 |
| Agco Corp Com N/A N/A 1 ,300 |
| Brinks Co N/A N/A 9 00 |
| Cummins Inc Com N/A N/A 8 00 |
| Delta Air Lines Inc Del Com New N/A N/A 1 ,900 |
| Fedex Corp Com N/A N/A 8 00 |
| GMS Inc N/A N/A 9 00 |
| Griffon Corp N/A N/A 1 ,800 |
| Hillenbrand Inc Com N/A N/A 5 00 |
| Huntington Ingalls Inds Inc Com N/A N/A 5 00 |
| Interface Inc Com N/A N/A 5 ,977 |
| Lockheed Matin Corp N/A N/A 4 00 |
| Mueller Industries Inc N/A N/A 1 ,250 |
| Oshskosh Truck Corp Com N/A N/A 9 40 |
| Owens Corning New Com N/A N/A 7 00 |
| Ryder System Inc N/A N/A 7 00 |
| Textron Inc Com N/A N/A 2 ,100 |
| United Airlines Holdings Inc N/A N/A 1 ,900 |
| Applied Matls Inc Com N/A N/A 1 ,000 |
| Arrow Electrs Inc Com N/A N/A 8 00 |
| Avnet Inc Com N/A N/A 1 ,900 |
| Cisco Sys Inc Com N/A N/A 4 ,600 |
| Cirrus Logic Inc N/A N/A 8 00 |
| Dropbox Inc N/A N/A 3 ,300 |
| Flex LTD N/A N/A 3 ,000 |
| Hewlett Packard Enterprise Co Com N/A N/A 6 ,300 |
| HP Inc Com N/A N/A 6 ,200 |
| Intel Corp Com N/A N/A 1 ,800 |
| International Business Machs Corp Com N/A N/A 5 00 |
| Jabil Inc N/A N/A 1 ,000 |
| NCR Voyix Corporation N/A N/A 4 03 |
| Qualcomm Inc Com N/A N/A 1 2,000 |
| TD Synnex Corporation N/A N/A 9 00 |
| Twilio Inc – A N/A N/A 1 ,100 |
| Xerox Holdings Corp Com New N/A N/A 3 ,000 |
| Berry Global Group Inc N/A N/A 1 ,700 |
| CF Industries Holdings Inc N/A N/A 8 13 |
| Eastman Chem Co Com N/A N/A 1 ,300 |
| Magnera Corp N/A N/A 4 69 |
| Mosaic Co New Com N/A N/A 1 ,400 |
| New Market Corp N/A N/A 2 00 |
| Sylvamo Corp Common Stock N/A N/A 1 ,454 |
| Host Hotels & Resorts Inc N/A N/A 5 ,800 |
| Omega Healthcare Invs Inc Com N/A N/A 3 ,100 |
| Piedmont Office Rlt Tr Inc Com Cl A N/A N/A 5 ,400 |
| National Fuel Gas Co N J Com N/A N/A 1 ,800 |
| NRG Energy Inc Com New N/A N/A 2 ,500 |
| UGI Corp New Com N/A N/A 2 ,200 |
| Vistra Corp N/A N/A 4 00 |
| JP Morgan Strategic Property Fund N/A N/A 1 ,076,001 |
| LSV International (ACWI Ex-US) Value Equity Fd N/A N/A 2 ,173,487 |
| PanAgora Risk Parity Multi-Asset Fund N/A N/A 6 42,611 |
| American Funds Europacific Growth N/A N/A 6 18,398 |
| DFA US Small CAP Portfolio N/A N/A 1 50,224 |
| Dodge and Cox Income Fund N/A N/A 4 ,374,734 |
| T. Rowe Price Instl Large Cap Growd Fund #139 N/A N/A 2 44,031 |
| Vanguard Institutional Index Fund #94 N/A N/A 5 7,025 |
| Vanguard Short-Term Bond Index Fund Ins #732 N/A N/A 3 ,142,045 |
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 OPERATING ENGINEERS LOCAL 428 ANNUITY TRUST FUND. 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% | … | … |
Data as of 05/01/2026, Common starting date is 12/31/2000
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