BAKERRIPLEY 403(B) PLAN Investment Options
Available Funds in BAKERRIPLEY 403(B) PLAN
Below is the lineup of investment options available to participants in BAKERRIPLEY 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 |
|---|
| Charles Schwab Schwab Target 2015 |
| Charles Schwab Schwab Target 2020 |
| Charles Schwab Schwab Target 2025 |
| Charles Schwab Schwab Target 2030 |
| Charles Schwab Schwab Target 2035 |
| Charles Schwab Schwab Target 2040 |
| Charles Schwab Schwab Target 2045 |
| Charles Schwab Schwab Target 2050 |
| Charles Schwab Schwab Target 2055 |
| Charles Schwab Schwab Target 2060 |
| Charles Schwab Schwab Target 2065 |
| Fidelity 500 Index Fund Institutional Premium |
| Fidelity Blue Chip Growth Fund Class K6 |
| Fidelity Contrafund |
| Fidelity International |
| JPMorgan Large Cap Value Class R3 |
| JPMorgan Small Cap Growth Class R6 |
| MFS Mid Cap Value Fund Class R3 |
| Transamerica Guaranteed Investment Option |
| Vanguard Mid-Cap Index Fund Admiral Shares |
| Vanguard Mid-Cap Growth Index Fund Admiral Shares |
| Vanguard Small Cap Index Fund Admiral Shares |
| Vanguard Small Cap Value Index Fund Admiral Shares |
| Vanguard Value Index Admiral Shares |
| PIMCO Moderate Duration Institutional Class |
| 10.50%, with varying maturity dates) |
| FIDELITY CONTRAFUND 1/1/2024 12/31/2024 |
| JP MORGAN JPMORGAN LARGE CAP VALUE R3 2/1/2024 12/31/2024 |
| MFS MID CAP VALUE R3 2/1/2024 12/31/2024 |
| VIRTUS CEREDEX LARGE CAP VALUE EQUITY I 1/1/2024 2/1/2024 |
| Transamerica Life Ins Co Transamerica Guaranteed Inv Option |
| Fidelity 500 Index |
| Fidelity Blue Chip Gr K6 |
| Fidelity Intl Index |
| Schwab Schwab Target 2025 Index |
| Schwab Schwab Target 2030 Index |
| Schwab Schwab Target 2035 Index |
| Schwab Schwab Target 2040 Index |
| Schwab Schwab Target 2045 Index |
| Schwab Schwab Target 2050 Index |
| Schwab Schwab Target 2055 Index |
| Vanguard Small Cap Val Index Adm |
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 BAKERRIPLEY 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
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