STALEY, INC. 401(K) PROFIT SHARING PLAN Investment Options
Available Funds in STALEY, INC. 401(K) PROFIT SHARING PLAN
Below is the lineup of investment options available to participants in STALEY, INC. 401(K) PROFIT SHARING 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 2025 TD Interest in pooled separate accounts |
| American Funds 2030 TD Interest in pooled separate accounts |
| American Funds 2035 TD Interest in pooled separate accounts |
| American Funds 2040 TD Interest in pooled separate accounts |
| American Funds 2045 TD Interest in pooled separate accounts |
| American Funds 2050 TD Interest in pooled separate accounts |
| American Funds 2055 TD Interest in pooled separate accounts |
| American Funds 2060 TD Interest in pooled separate accounts |
| American Funds 2065 TD Interest in pooled separate accounts |
| John Hancock Lifestyle Blend Conservative Interest in pooled separate accounts |
| John Hancock Lifestyle Blend Moderate Interest in pooled separate accounts |
| John Hancock Lifestyle Blend Balanced Interest in pooled separate accounts |
| John Hancock Lifestyle Blend Growth Interest in pooled separate accounts |
| John Hancock Lifestyle Blend Aggressive Interest in pooled separate accounts |
| BlackRock High Yield Bond Fund Interest in pooled separate accounts |
| Franklin Utilities Fund Interest in pooled separate accounts |
| AF American Balanced Fund Interest in pooled separate accounts |
| John Hancock Disciplined Value Interest in pooled separate accounts |
| Fidelity International Index Interest in pooled separate accounts |
| Fidelity Adv Diversified Int Interest in pooled separate accounts |
| Dodge & Cox International St Interest in pooled separate accounts |
| 500 Index Fund Interest in pooled separate accounts |
| Vanguard Explorer Fund Interest in pooled separate accounts |
| Nuveen Small-Cap Blex Index Interest in pooled separate accounts |
| Janus Henderson Gbl Life Sci Interest in pooled separate accounts |
| Fidelity Advisor Equity Growh Interest in pooled separate accounts |
| Fidelity Advisor Energy Fund Interest in pooled separate accounts |
| DFA US Targeted Value Fund Interest in pooled separate accounts |
| American Funds New World Fund Interest in pooled separate accounts |
| 5 Year Compound Fund Interest in guaranteed investment contract |
| American Funds Europac Growth Interest in pooled separate accounts |
| BlackRock Global Allocation Interest in pooled separate accounts |
| Blue Chip Growth Fund Interest in pooled separate accounts |
| Federated High Yield Bond Interest in pooled separate accounts |
| John Hancock Disciplined Value International Fund Interest in pooled separate accounts |
| MFS Utilities Fund Interest in pooled separate accounts |
| Science & Technology Fund Interest in pooled separate accounts |
| T. Rowe Price Health Science Interest in pooled separate accounts |
| Vanguard Energy Fund Interest in pooled separate accounts |
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 STALEY, INC. 401(K) PROFIT SHARING 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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