STAKEHOLDER PAYROLL SERVICES, LLC. 401(K) PLAN Investment Options
Available Funds in STAKEHOLDER PAYROLL SERVICES, LLC. 401(K) PLAN
Below is the lineup of investment options available to participants in STAKEHOLDER PAYROLL SERVICES, LLC. 401(K) 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 |
|---|
| Macquarie Small Cap Value Fund 3 shares |
| Loomis Sayles Small Cap Growth Fund 31,188 shares |
| Invesco Developing Markets Fund 3,096 shares |
| PIMCO Diversified Income Fund 12,065 shares |
| Macquarie Mid Cap Growth Fund 44,708 shares |
| John Hancock Funds Disciplined Value Fund 30,878 shares |
| JPMorgan Large Cap Growth Fund 18,371 shares |
| John Hancock Funds Disciplined Value Mid Cap Fund 416 shares |
| Fidelity 500 Index Fund 23,042 shares |
| Fidelity Mid Cap Index Fund 21,304 shares |
| Fidelity Small Cap Index Fund 839 shares |
| Fidelity International Index Fund 6,227 shares |
| Fidelity Freedom Index Income Fund 28,736 shares |
| Fidelity Freedom Index 2010 Fund 31,082 shares |
| Fidelity Freedom Index 2015 Fund 73,082 shares |
| Fidelity Freedom Index 2020 Fund 292,830 shares |
| Fidelity Freedom Index 2025 Fund 477,465 shares |
| Fidelity Freedom Index 2030 Fund 749,906 shares |
| Fidelity Freedom Index 2035 Fund 823,782 shares |
| Fidelity Freedom Index 2040 Fund 663,994 shares |
| Fidelity Freedom Index 2045 Fund 572,758 shares |
| Fidelity Freedom Index 2050 Fund 489,751 shares |
| Fidelity Freedom Index 2055 Fund 380,995 shares |
| Fidelity Freedom Index 2060 Fund 199,207 shares |
| Fidelity Freedom Index 2065 Fund 91,935 shares |
| Fidelity Freedom Index 2070 Fund 1,524 shares |
| Through July 2034 |
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 STAKEHOLDER PAYROLL SERVICES, LLC. 401(K) 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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