PARATRANSIT SERVICES 403(B) PLAN Investment Options
Available Funds in PARATRANSIT SERVICES 403(B) PLAN
Below is the lineup of investment options available to participants in PARATRANSIT SERVICES 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 |
|---|
| VY TRwPr Cap Apprec Port Srv + |
| American Funds Wash Mutual R4 + |
| VY TRwPr Grw Eqty Pt I + |
| Voya Solution 2025 Port Srv + |
| Voya Index Plus MidCap Prt I + |
| Fidelity VIP Growth Port I + |
| American Funds Fdmntl Inv R4 + |
| American Funds Nw Prspctv R4 + |
| Fidelity VIP Contrafund Pt I + |
| Voya Growth and Income Port I + |
| Victory Prec Metals & Mn Fd A + |
| Alger Responsible Investing A + |
| Calvert VP SRI Balanced Port + |
| VY TRwPr Divr MdCp Gr Pt I + |
| Voya Index Plus LargeCap Prt I + |
| Voya Large Cap Growth Prt Ins + |
| Voya Index Plus SmallCap Prt I + |
| Wanger Acorn + |
| American Funds Growth Fnd R4 + |
| Voya Intermediate Bond Prt I + |
| Templeton Global Bond Fund A + |
| VY Invesco Comstock Port Srv + |
| Voya Russell LgCp Indx Prt I + |
| Voya Glob Insights Port Init + |
| Amana Growth Fund Inv + |
| VY Baron Growth Port Srv + |
| Lazard Intl Equity Port Opn + |
| VY CBRE Rl Estate Prt Srv + |
| AMG River Rd Md Cp Val Fd N + |
| BlkRck Md-Cp Value Fnd IA + |
| Fidelity VIP Eqty-Inc Prt I + |
| Invesco VI Core Eqty Fund SI + |
| American Funds EuroPacific R4 + |
| Voya Mid Cap Opport Port I + |
| Inv Dev Mrkts Fd A + |
| Invesco VI Amr Franchise Fd I + |
| Voya Glo Hi Div Low Vol Prtf I + |
| Voya SmCp Opport Port I + |
| VY JPM SmCp Cr Eq Port Srv + |
| Voya Solution 2045 Port Srv + |
| Voya Russell MdCp Indx Prt I + |
| Voya Russell SmCp Indx Prt I + |
| Voya Large Cap Value Port Ins + |
| Voya Solution 2055 Port Srv + |
| VY JPM MdCp Value Port Srv + |
| Voya Russell LCp Gr Ind Prt I + |
| Voya Solution 2035 Port Srv + |
| Voya Small Company Port I + |
| Voya Solution Income Pt Srv + |
| Voya High Yield Port Ins + |
| Voya Russell LC Vl Ind Prt S + |
| Lord Abbett Srs Fd MC St Pt VC + |
| Voya Solution 2040 Port Srv + |
| Allspg Spec SmCp Vl Fd A + |
| VY JPM Emrg Mkts Eq Port Srv + |
| Voya Solution 2030 Port Srv + |
| Macq Science and Technology Y + |
| Voya Solution Conserv Pt I + |
| VY AmCen Sm-MdCp Vl Pt Srv + |
| Voya Fixed Plus Account II A Guaranteed Interest Contract |
| Voya Fixed Account (4550) Guaranteed Interest Contract |
| Voya Fixed Plus Account (4564) Guaranteed Interest Contract |
| Voya Short-Term GAA Guaranteed Interest Contract |
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 PARATRANSIT SERVICES 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
- Passive real estate investments
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