USIC 401(K) SAVINGS PLAN Investment Options
Available Funds in USIC 401(K) SAVINGS PLAN
Below is the lineup of investment options available to participants in USIC 401(K) SAVINGS 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 EuroPacific Growth Fund R6 28,082 shares |
| BlackRock High Yield Bond Fund K 255,829 shares |
| DFA US Targeted Value Fund I 25,728 shares |
| Dodge & Cox Income Fund 223,417 shares |
| Fidelity Advisor Small Cap Growth Fund 85,365 shares |
| JP Morgan Large Cap Growth R6 Fund 84,989 shares |
| Victory Sycamore Established Value Fund 21,764 shares |
| PIMCO Real Return Institutional Fund 105,140 shares |
| Vanguard Mid Cap Index Fund Admiral 8,281 shares |
| Vanguard Small Cap Index Fund Admiral 18,157 shares |
| Vanguard Windsor II Fund Admiral 28,944 shares |
| Vanguard Mid-Cap Growth Index Admiral Fund 11,702 shares |
| Vanguard Target Retirement 2020 Account 101,351 units |
| Vanguard Target Retirement 2025 Account 278,917 units |
| Vanguard Target Retirement 2030 Account 468,571 units |
| Vanguard Target Retirement 2035 Account 479,574 units |
| Vanguard Target Retirement 2040 Account 415,935 units |
| Vanguard Target Retirement 2045 Account 307,556 units |
| Vanguard Target Retirement 2050 Account 263,391 units |
| Vanguard Target Retirement 2055 Account 156,639 units |
| Vanguard Target Retirement 2060 Account 126,092 units |
| Vanguard Target Retirement 2065 Account 70,775 units |
| Vanguard Target Retirement 2070 Account 15,067 units |
| Vanguard Target Retirement Income Account 29,356 units |
| Principal/BlackRock S&P 500 Index Account 37,603 units |
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 USIC 401(K) SAVINGS 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
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