COMMUNITYCARE 401(K) SAVINGS PLAN Investment Options
Basic steps for COMMUNITYCARE 401(K) SAVINGS PLAN investments
- Understand Your Goals and Risk Tolerance: Consider your retirement goals, time horizon, and risk tolerance when choosing investments. Are you saving for retirement, or do you have other financial goals in mind? How comfortable are you with market fluctuations?
- Diversification: Diversification is key to managing risk in your investment portfolio. Spread your investments across different asset classes (e.g., stocks, bonds, cash equivalents) and sectors to reduce the impact of market volatility.
- Asset Allocation: Determine the appropriate mix of assets for your investment portfolio based on your goals and risk tolerance. This may involve allocating a percentage of your portfolio to stocks, bonds, and cash equivalents.
- Review Investment Options: Evaluate the investment options available within COMMUNITYCARE 401(K) SAVINGS PLAN (see below for more detailed investment options). Look for funds with low fees, consistent performance, and a track record of meeting their investment objectives.
- Consider Target-Date Funds: Target-date funds are a popular option for retirement savings because they automatically adjust the asset allocation over time based on your expected retirement date. These funds can be a convenient option for investors who prefer a hands-off approach to investing.
- Monitor and Rebalance: Periodically review your investment portfolio and make adjustments as needed. Rebalance your portfolio to maintain your desired asset allocation and ensure it remains aligned with your goals and risk tolerance.
- Seek Professional Advice: If you’re unsure about which investments to choose or how to allocate your assets, consider seeking advice from a financial advisor. They can help you develop an investment strategy tailored to your individual needs and circumstances.
By following these steps, you can set up a 401(k) plan and choose investments that align with your long-term financial goals and objectives. Remember that investing involves risk, and it’s important to carefully consider your options and seek professional advice if needed.
Investment Options
COMMUNITYCARE 401(K) SAVINGS PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
Total Available Funds: 37
| Investment Description |
|---|
| TCO TARGET RETIREMENT 2025 MUTUAL FUND |
| VANGUARD 500 INDEX MUTUAL FUND |
| PUTNAM STABLE VALUE COMMON/COLLECTIVE TRUST |
| TCO TARGET RETIREMENT 2035 MUTUAL FUND |
| TCO LIFESTYLE - GROWTH MUTUAL FUND |
| TCO LIFESTYLE - BALANCED GROWTH MUTUAL FUND |
| T. ROWE PRICE MID CAP GROWTH INST. MUTUAL FUND |
| TCO TARGET RETIREMENT 2045 MUTUAL FUND |
| DODGE & COX BALANCED MUTUAL FUND |
| TCO LIFESTYLE - BALANCED MUTUAL FUND |
| DODGE & COX STOCK MUTUAL FUND |
| VANGUARD SMALL CAP INDEX MUTUAL FUND |
| TCO TARGET RETIREMENT 2055 MUTUAL FUND |
| TCO LIFESTYLE - AGGRESSIVE GROWTH MUTUAL FUND |
| FIDELITY CONTRAFUND MUTUAL FUND |
| VANGUARD MID CAP INDEX MUTUAL FUND |
| TCO LIFESTYLE - CONSERVATIVE MUTUAL FUND |
| VANGUARD SHORT TERM INV GRADE MUTUAL FUND |
| METROPOLITAN WEST TOTAL RETURN BOND MUTUAL FUND |
| VANGUARD INTERNATIONAL GROWTH MUTUAL FUND |
| VANGUARD WINDSOR II MUTUAL FUND |
| TCO TARGET RETIREMENT 2015 MUTUAL FUND |
| T. ROWE PRICE DIVIDEND GROWTH I MUTUAL FUND |
| TCO LIFESTYLE - BALANCED INCOME MUTUAL FUND |
| DODGE & COX INTERNATIONAL STOCK MUTUAL FUND |
| VANGUARD DEVELOPED MARKETS INDEX MUTUAL FUND |
| JOHN HANCOCK DISCPL MID CAP VAL R6 MUTUAL FUND |
| TCO TARGET INCOME MUTUAL FUND |
| VANGUARD TOTAL BOND MARKET INDEX MUTUAL FUND |
| TCO TARGET RETIREMENT 2065 MUTUAL FUND |
| FRANKLIN SMALL CAP GROWTH R6 MUTUAL FUND |
| COHEN & STEERS REALTY SHARES INST. MUTUAL FUND |
| AMERICAN BEACON SMALL CAP VALUE INST. MUTUAL FUND |
| VANGUARD TOTAL INTERNATIONAL BOND INDEX MUTUAL FUND |
| VANGUARD SHORT TERM TREASURY MUTUAL FUND |
| PIMCO HIGH YIELD INSTITUTIONAL MUTUAL FUND |
| DELAWARE EMERGING MARKETS MUTUAL FUND |
How to invest
Key principles in retirement investing:
- Proper asset allocation among stocks and bonds, the two major assets. Proper assess your risk tolerance level based on your age, financial situation, personal emotional level to tolerate up and down, and retirement expectation.
- Invest in (ultra) low cost index funds if possible. Don’t get caught up with flashy funds.
- Invest for a long term: financial markets are up and down and investment values are subject to fluctuation. However, viewed as business investments, you can be assured that diversified funds (stocks and bonds) have solid business fundamental that eventually will deliver inflation beating returns for stocks.
See Four-Step Guide for 401(k) Retirement Investing.
Basic asset allocation templates
The following asset allocation templates are based on popular lazy portfolios. These are core or major asset class-based portfolios using ultra-low-cost index funds for each asset class. Once you have decided on your proper risk asset (stocks) allocation, you can utilize these lazy portfolio templates to scale the allocations to your risk allocation level. See Asset Allocation Portfolio Templates for a guide:
The return data shown below all have the same latest date: 04/22/2025.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Inception |
|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | -3.18% | 5.78% | 3.97% | 7.28% | 5.69% | 6.67% | 6.56% | 6.25% |
| Five Core Asset Portfolio | -3.44% | 5.77% | 3.84% | 7.12% | 5.61% | 6.56% | 6.64% | 6.43% |
| Three Core Asset Portfolio | -3.68% | 5.46% | 4.75% | 7.70% | 6.04% | 6.90% | 6.66% | 6.16% |
| Two Core Asset Portfolio | -6.24% | 5.06% | 5.13% | 8.17% | 7.04% | 8.09% | 7.34% | 6.62% |
| Yale Endowment Template | -2.72% | 6.84% | 2.74% | 7.07% | 6.04% | 7.55% | 7.36% | 7.51% |
| S&P 500 Index | -9.78% | 6.82% | 8.88% | 15.27% | 11.51% | 12.33% | 9.92% | 8.01% |
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