SMART LOCAL 137 ANNUITY FUND Investment Options
Available Funds in SMART LOCAL 137 ANNUITY FUND
Below is the lineup of investment options available to participants in SMART LOCAL 137 ANNUITY 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.
| Investment Description |
|---|
| BENTALL KENNEDY DAILY VALUE FUND 5,151,896 $ – |
| AB Discovery Value Z 12,777 $ – |
| AB Large Cap Growth I 899 – |
| American Century Ultra Fund 8,584 – |
| Artisan Mid Cap Fund 1,013 – |
| Baron Growth Fund 7,717 – |
| BlackRock Technology Opps Inst 35,168 – |
| Columbia Dividend Opty Instl 7,047 – |
| Invesco Global R6 7,045 – |
| JH Strategic Income Opp R6 130,611 – |
| Loomis Sayles Inv Gr Bond N 1,124,410 – |
| NYLI S&P 500 Index I 34,697 – |
| NYLI Short Term Bond I 16,759 – |
| Oakmark Equity Income Fd Inv 4,812 – |
| PIMCO Income Fund Inst 139,185 – |
| Royce SC Opport Service Cl 2,981 – |
| T Rowe Price Blue Chip Growth 4,059 – |
| T Rowe Price Retire 2020 Adv 2,639 – |
| T Rowe Price Retire 2030 Adv 14,803 – |
| T Rowe Price Retire 2040 Adv 10,317 – |
| T Rowe Price Retire 2050 Adv 15,119 – |
| T Rowe Price Retire 2060 Adv 1,601 – |
| T. Rowe Price Retire Bal Adv 1,983 – |
| The Growth Fund of America R6 1,306 – |
| TIAA-CREF Lrg Cap Grwth Idx I 1,971 – |
| Vanguard 500 Index Fd Admiral 63,002 – |
| Vanguard Mid Cap Index Adm 1,754 – |
| Vanguard Mid Cap Index Adm 12,828 – |
| Vanguard Sm Cap Index Fd Adm 505 – |
| Vanguard Sm Cap Val Ind (Adm) 3,029 – |
| Vanguard Small Growth Adml 1,374 – |
| YEARS ENDED DECEMBER 31, 2024 AND |
| Accounting |
| Depreciation |
| Reimbursements to related organizations |
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 SMART LOCAL 137 ANNUITY 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% | … | … |
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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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