WEBSTER 401(K) SAVINGS PLAN Investment Options
Available Funds in WEBSTER 401(K) SAVINGS PLAN
Below is the lineup of investment options available to participants in WEBSTER 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 |
|---|
| Vanguard Group Intermediate Term Bond |
| American Century Mid Cap Value Fund |
| Carillon Tower Advisors Eagle Mid Cap Growth Fund |
| Diamond Hill Large Cap Fund |
| Franklin Small Cap Growth Fund |
| JPMorgan Large Cap Growth Fund |
| Charles Schwab S&P 500 Index Fund |
| BlackRock Emerging Markets Fund |
| Delaware Macquarie Small Cap Value Fund |
| EuroPacific American Funds Europacific Growth Fund |
| Vanguard Group Developing Markets |
| T Rowe Price Associates T Rowe Price Retirement 2040 Fund |
| T Rowe Price Associates T Rowe Price Retirement 2050 Fund |
| T Rowe Price Associates T Rowe Price Retirement 2060 Fund |
| T Rowe Price Associates T Rowe Price Retirement 2010 Fund |
| Vanguard Group Balanced |
| Vanguard Group Small Cap Index Fund Admiral |
| Fidelity Mid Cap |
| due at varying maturity dates through 2033 |
| DIAMOND HILL LARGE CAP FUND Y |
| SCHWAB S&P |
| VANGUARD INTERMEDIATE TERM BON |
| VANGUARD DEV MKT INDEX ADMIRAL |
| CARILLON EAGLE MID CAP GRTH R6 |
| JPMORGAN LARGE CAP GROWTH R6 |
| VANGUARD BAL IDX – ADM |
| AMERICAN FUNDS EUROPAC GRO- R6 |
| TRP RETIREMENT 2040 I |
| FRANKLIN SMALL CAP GROWTH R6 |
| AMERICAN CENTURY MID CP VAL R6 |
| TRP RETIREMENT 2050 I |
| VANGUARD SMALL CAP INDEX ADMRL |
| FID MID CAP INDEX |
| TRP RETIREMENT 2010 I |
| BLACKROCK EMERGING MARKETS K |
| TRP RETIREMENT 2060 I |
| MACQUARIE SMALL CAP VALUE R6 |
| METLIFE REL ST VAL 25053 – |
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 WEBSTER 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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