UMATILLA-MORROW HEAD START, INC. 403(B) PLAN Investment Options
Available Funds in UMATILLA-MORROW HEAD START, INC. 403(B) PLAN
Below is the lineup of investment options available to participants in UMATILLA-MORROW HEAD START, 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 |
|---|
| American Century Inv American Century Mid Cap Value R6 |
| American Funds 2010 Target Date Ret R6 |
| American Funds 2015 Target Date Ret R6 |
| American Funds 2020 Target Date Ret R6 |
| American Funds 2025 Target Date Ret R6 |
| American Funds 2030 Target Date Ret R6 |
| American Funds 2035 Target Date Ret R6 |
| American Funds 2040 Target Date Ret R6 |
| American Funds 2045 Target Date Ret R6 |
| American Funds 2050 Target Date Ret R6 |
| American Funds 2055 Target Date Ret R6 |
| American Funds 2060 Target Date Ret R6 |
| American Funds 2065 Target Date Ret R6 |
| American Funds Capital Inc Bldr R6 |
| American Funds Capital World G/I R6 |
| American Funds New World R6 |
| Clearbridge ClearBridge Large Cap Growth IS |
| DFA US Small Cap Value I |
| Empower EI Fixed Account – Series Class II |
| Empower Empower S&P Small Cap 600 Index Inst |
| Fidelity Advisor International Capital Apprec Z |
| Invesco Diversified Dividend R6 |
| BlackRock iShares Russell Mid-Cap Index K |
| Janus Henderson Balanced N |
| MFS Utilities R6 |
| PIMCO High Yield Instl |
| PIMCO Income Instl |
| State Street Equity 500 Index K |
| American Funds Washington Mutual Investors |
| American Funds The Investment Company of America |
| American Funds The Growth Fund of America |
| American Funds The Bond Fund of America |
| American Funds Capital Income Builder |
| American Funds EuroPacific Growth Fund |
| American Funds Capital World Growth and Income |
| Kansas City Life Growthtrack |
| Kansas City Life Growthtrack2 |
| Kansas City Life Century II |
| Kansas City Life Flextrack Qualified |
| Kansas City Life Retirement Contribution Plan |
| Western United Life Flex 2000 |
| Western United Life Flex2003 |
| Western United Life Harbor Flex |
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 UMATILLA-MORROW HEAD START, 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% | … | … |
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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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