WELLSPRING SENIOR SUPPORT SERVICES 403(B) RETIREMENT PLAN Investment Options
Available Funds in WELLSPRING SENIOR SUPPORT SERVICES 403(B) RETIREMENT PLAN
Below is the lineup of investment options available to participants in WELLSPRING SENIOR SUPPORT SERVICES 403(B) RETIREMENT 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 |
|---|
| Capital Group American Funds American Balanced R3 N/R |
| Capital Group American Funds Capital World G/I R3 N/R |
| Capital Group American Funds Europacific GR R3 N/R |
| Capital Group American Funds Growth Fund of Amer R3 N/R |
| Empower Funds Empower S&P Mid Cap 400 Index Fund L N/R |
| Franklin Templeton Investments Franklin Core Plus Bond A N/R |
| Mass Mutual Mass Mutual Diversified Value N/R |
| Mass Mutual MM S&P 500 Index R4 N/R |
| Northern Trust Asset Management Northern Small Cap Index N/R |
| Pacific Investment Management PIMCO Long-Term US Government A N/R |
| T. Rowe Price Balanced R N/R |
| T. Rowe Price 2005 R N/R |
| T. Rowe Price 2015 R N/R |
| T. Rowe Price 2025 R N/R |
| T. Rowe Price 2035 R N/R |
| T. Rowe Price 2045 R N/R |
| T. Rowe Price 2055 R N/R |
| Fidelity Investments Fidelity VIP Contrafund N/R |
| Massachusetts Mutual Life Fixed Account (Artistry) N/R |
| Massachusetts Mutual Life Guaranteed Principal Acct (Flex Extra) N/R |
| Massachusetts Mutual Life MML Balanced Allocation N/R |
| Massachusetts Mutual Life MML Blend N/R |
| Massachusetts Mutual Life MML Blue Chip Growth N/R |
| Massachusetts Mutual Life MML Equity N/R |
| Massachusetts Mutual Life MML Foreign N/R |
| Massachusetts Mutual Life MML Income & Growth N/R |
| Massachusetts Mutual Life MML Large Cap Growth N/R |
| Massachusetts Mutual Life MML Managed Bond N/R |
| Massachusetts Mutual Life MML Managed Volatility N/R |
| Massachusetts Mutual Life MML Mid Cap Growth N/R |
| Massachusetts Mutual Life MML Mid Cap Value N/R |
| Massachusetts Mutual Life MML Small Cap Growth Equity N/R |
| Massachusetts Mutual Life MML Small/Mid Cap Value N/R |
| Massachusetts Mutual Life MML Sustainable Equity N/R |
| EQUITABLE LIFE INS CO Participant Directed Investments |
| MASS MUTUAL LIFE INS CO Participant Directed Investments |
| THRIVENT FINANCIAL FOR LUTHERANS Participant Directed Investments |
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 WELLSPRING SENIOR SUPPORT SERVICES 403(B) RETIREMENT 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
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