SHELTERING ARMS 403(B) RETIREMENT PLAN Investment Options
Available Funds in SHELTERING ARMS 403(B) RETIREMENT PLAN
Below is the lineup of investment options available to participants in SHELTERING ARMS 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 |
|---|
| American Funds Europacific Growth Class R6 |
| American Funds Global Growth Portfolio |
| American Funds Growth Portfolio – A |
| American Funds Growth and Income Portfolio |
| American Funds International Fund |
| Baron Capital, Inc. Small Cap Institutional Class |
| Blackrock Equity Dividend K Shares |
| JP Morgan Large Cap Growth Class R6 |
| Lincoln Financial Distributors, Inc. Pathbuilder Income |
| MFS Fund Distributors, Inc. International Intrinsic Value Class R4 |
| MFS Fund Distributors, Inc. Utilities |
| The Vanguard Group, Inc. 500 Index Fund Admiral Shares |
| The Vanguard Group, Inc. Emerging Markets Stock Index Admiral Shares |
| The Vanguard Group, Inc. Mid Cap Index Admiral Shares |
| The Vanguard Group, Inc. Small Cap Index Admiral Shares |
| The Vanguard Group, Inc. Small Cap Value Index Admiral Shares |
| The Vanguard Group, Inc. Developed Markets Index Admiral Shares |
| Lincoln Financial Distributors, Inc. FIDELITY VIP CONTRAFUND |
| Lincoln Financial Distributors, Inc. FIDELITY VIP FREEDOM TARGET DATE 2025 |
| Lincoln Financial Distributors, Inc. FIDELITY VIP GROWTH |
| Lincoln Financial Distributors, Inc. LVIP BARON GROWTH OPPORTUNITIES |
| Lincoln Financial Distributors, Inc. LVIP BLACKROCK DIVIDEND VALUE MNGDVLTLTY |
| Lincoln Financial Distributors, Inc. LVIP BLENDED LRG CAP GROWTH MNGD VOLTLTY |
| Lincoln Financial Distributors, Inc. LVIP DIMENSIONAL U.S. CORE EQUITY |
| Lincoln Financial Distributors, Inc. LVIP JPMORGAN RETIREMENT INCOME FUND |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE BOND |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE DIVERSIFIED INCOME |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE HIGH YIELD FUND |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE MID CAP VALUE FUND |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE SMID CAP CORE SERIES |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE SOCIAL AWARENESS |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE U.S. REIT FUND |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE VALUE SERIES |
| Lincoln Financial Distributors, Inc. LVIP MACQUARIE WEALTH BUILDER |
| Lincoln Financial Distributors, Inc. LVIP MONDRIAN INTERNATIONAL VALUE |
| Lincoln Financial Distributors, Inc. LVIP SSGA S&P 500 INDEX |
| Lincoln Financial Distributors, Inc. LVIP T. ROWE PRICE STRUCTURED MID-CAP |
| Lincoln Financial Distributors, Inc. MACQUARIE SMALL CAP VALUE |
| Investment Contracts |
| Rates from 4.25% to 9.50% |
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 SHELTERING ARMS 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
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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