PRIDE STAR EMS. 401K PLAN Investment Options
Available Funds in PRIDE STAR EMS. 401K PLAN
Below is the lineup of investment options available to participants in PRIDE STAR EMS. 401K 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 |
|---|
| Blackrock High Yield Bond Fund Class R " |
| JPMorgan SmartRetirement 2050 Fund Class R2 " |
| JPMorgan SmartRetirement 2030 Fund Class R2 " |
| JPMorgan SmartRetirement 2040 Fund Class R2 " |
| JPMorgan US Small Company Fund Class R2 " |
| JPMorgan SmartRetirement 2035 Fund Class R2 " |
| Invesco Commonstock R " |
| Goldman Sachs Emerging Markets Equity Insights Fund Class R " |
| PIMCO Real Return Fund Class R " |
| JPMorgan SmartRetirement Income Fund Class R2 " |
| JPMorgan SmartRetirement 2025 Fund Class R2 " |
| Pioneer Bond Fund Class R " |
| American Century Strat Allc Moderate Fund " |
| Macquarie Small Cap Value R " |
| JPMorgan SmartRetirement 2045 Fund Class R2 " |
| Alger Capital Appreciation Instl Fund Class R " |
| Janus Triton Fund Class R " |
| JPMorgan US Equity Fund Class R2 " |
| Federated International Leaders Fund Class R " |
| JPMorgan SmartRetirement 2020 Fund Class R2 " |
| JPMorgan SmartRetirement 2055 Fund Class R2 " |
| State Street S&P 500 Index Fund " |
| State Street International Index Securities Lending Fund " |
| State Street Russell Small Cap Index Fund " |
| JPMORGAN CORE BOND – R2 |
| BLACKROCK HIGH YIELD R |
| DWS RREEF REAL EST SEC R |
| JPMORGAN SMARTRET 2050 – R2 |
| JPM SMARTRET 2030 – R2 |
| JPMORGAN SMARTRET 2040 – R2 |
| JPMORGAN US SMALL COMPANY R2 |
| JPMORGAN SMARTRET 2035 – R2 |
| INVESCO COMSTOCK R |
| GS EMG MKTS EQTY INSIGHTS R |
| PIMCO REAL RETURN – CLASS R |
| JPM SMARTRET INCOME – R2 |
| JPM SMARTRET 2025 – R2 |
| PIONEERBONDFUND-R |
| AMERCENT STRATALLO MODERATE -R |
| MACQUARIE SMALL CAP VALUE – R |
| JPMORGAN SMARTRET 2045 – R2 |
| ALGER CAPAPP INSTL FUND – R |
| JANUS HEND TRITON R |
| JPMORGAN US EQUITY – R2 |
| FEDERATED HERMES INTL LEADERS |
| JPM SMARTRET 2020 – R2 |
| JPMORGAN SMARTRETIRE 2055 – R2 |
| INVESCO STABLE ASSET |
| STATE ST INTL IDX SECLEND VIII |
| STATE ST RUSS SC IDX VIII |
| STATE ST S&P 500 IDX IX |
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 PRIDE STAR EMS. 401K 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
- more …
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