STEP UP SUNCOAST, INC. 403(B) PLAN Investment Options
Available Funds in STEP UP SUNCOAST, INC. 403(B) PLAN
Below is the lineup of investment options available to participants in STEP UP SUNCOAST, INC. 403(B) 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 |
|---|
| Fixed Account |
| American Funds The Bond Fund of America Class R4 |
| American Funds The Growth Fund of America Class R4 |
| American Funds Washington Mutual Investors Class R4 |
| Fidelity VIP Growth Portfolio |
| Loomis Sayles Small Cap Value Retail |
| Voya Global High Dividend Low Volatility Portfolio Class I |
| Voya Growth and Income Portfolio Class I |
| Voya High Yield Portfolio Class S |
| Voya Large Cap Growth Portfolio |
| Voya Russell Large Cap Value Index Portfolio Class S |
| Voya Solution 2035 Portfolio |
| Voya Solution 2045 Portfolio |
| Voya Solution Aggressive Portfolio I |
| Voya Solution Balanced Portfolio I |
| Voya Global Insights Portfolio |
| VY JPMorgan Emerging Markets Equity Portfolio |
| VY JPMorgan Mid Cap Value Portfolio |
| VY T. Rowe Price Diversified Mid Cap Growth Portfolio |
| Principal Fixed Income Guaranteed Option |
| Fidelity Advisor High Income Advantage Fund |
| Fidelity US Bond Index |
| Fidelity |
| Fidelity Mid Cap |
| Fidelity Small Cap |
| Invesco Small Cap Value Fund |
| JPMorgan Large Cap Growth Fund |
| Neuberger Berman Large Cap Value Fund |
| PGIM Jennison Small Comp Fund |
| Fidelity International |
| New World Fund Inc |
| American Balanced Fund |
| Fidelity Freedom Index 2040 Fund |
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 STEP UP SUNCOAST, INC. 403(B) 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% | … | … |
Get Key Insights for This Plan
Join our community and get data-driven insights about STEP UP SUNCOAST, INC. 403(B) PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- Delta’s 401(k): 9% Employer Contribution, 367 Funds, and a Smart Auto-Escalation Design
- Providence Health’s 100% Match on 6% and $600M Pay Raise: What Employees Need to Know
- Meta’s 401(k): 50% Match, Immediate Vesting, and $670M on the Table
- Making Sense of Mixed Signals
- Nike’s 401(k) Match Is Dollar-for-Dollar, Even When the Swoosh Is Struggling
- Tesla 401(k) Review: 50% Match Up to $3,000 — Is That Enough for TSLA Employees?
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 …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching STEP UP SUNCOAST, INC. 403(B) PLAN
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
Related Plans
- AEON 403(B) PLAN (255 participants, $7,317,029)
- ECONOMIC OPPORTUNITY PROGRAM, INC. 403(B) PLAN (255 participants, $4,464,953)
- MRDC 401(K) PLAN 401(K) PLAN (255 participants, $2,993,302)
- EASTER SEALS SOCIETY OF IOWA, INC. (255 participants, $2,855,770)
- THE FARM, INC. 401K PROFIT SHARIN G PLAN AND TRUST (255 participants, $2,406,520)