ITI 401(K) PLAN Investment Options
Available Funds in ITI 401(K) PLAN
Below is the lineup of investment options available to participants in ITI 401(K) 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 Option List |
|---|
| Vanguard 500 Index Admiral Fund Registered investment company (VFINX) |
| Vanguard Extended Market Index Admiral Fund Registered investment company (VEXMX) |
| Vanguard Short-Term Bond Index Admiral Fund Registered investment company (VBISX) |
| Vanguard Target Retirement Income Fund Registered investment company (VTINX) |
| Vanguard Target Retirement 2020 Fund Registered investment company (VTWNX) |
| Vanguard Target Retirement 2025 Fund Registered investment company (VTTVX) |
| Vanguard Target Retirement 2030 Fund Registered investment company (VTHRX) |
| Vanguard Target Retirement 2035 Fund Registered investment company (VTTHX) |
| Vanguard Target Retirement 2040 Fund Registered investment company (VFORX) |
| Vanguard Target Retirement 2045 Fund Registered investment company (VTIVX) |
| Vanguard Target Retirement 2050 Fund Registered investment company (VFIFX) |
| Vanguard Target Retirement 2055 Fund Registered investment company (VFFVX) |
| Vanguard Target Retirement 2060 Fund Registered investment company (VTTSX) |
| Vanguard Target Retirement 2065 Fund Registered investment company (VSXFX) |
| Vanguard Target Retirement 2070 Fund Registered investment company (VSVNX) |
| JP Morgan U.S. Equity Large Cap U.S. Stock Registered investment company (GEIVX) |
| DFA U.S. Targeted Value Portfolio Fund Registered investment company (DWUSX) |
| American Beacon Stephens Mid-Cap Growth Institutional Fund Registered investment company (SFMIX) |
| MFS Institutional International Equity Fund Collective Trust Fund (MIEIX) |
| Prudential Core Plus Bond Fund Collective Trust Fund (GPBFX) |
| rates from 4.25% to 9.5% with maturity from 1 months to |
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 ITI 401(K) 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% | 6.78% | 7.27% |
| Five Core Asset Portfolio | 4.70% | 18.79% | 12.38% | 5.55% | 7.97% | 7.19% | 6.94% | 6.96% | 7.35% |
| Three Core Asset Portfolio | 4.57% | 19.80% | 13.11% | 6.19% | 8.52% | 7.64% | 7.10% | 6.74% | 7.33% |
| Two Core Asset Portfolio | 3.87% | 19.18% | 13.68% | 6.85% | 9.34% | 8.84% | 7.95% | 7.18% | 8.42% |
| Yale Endowment Template | 5.35% | 17.45% | 11.87% | 5.56% | 8.33% | 7.96% | 7.55% | 7.96% | 7.98% |
| S&P 500 Index | 5.97% | 30.43% | 21.65% | 12.98% | 15.10% | 13.74% | 10.93% | 8.96% | 11.29% |
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Keep researching ITI 401(K) PLAN
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Money headlines from this plan
These filing-based headlines surface the numbers most likely to affect a participant decision. Verify current plan documents before acting.
- Average plan assets per reported participant: $43,779
Based on the 2024 public filing. This is a plan-wide average, not a personal retirement target. Calculate a personal retirement target. - Employer contributions per reported participant: $995
Based on the 2024 public filing. This reported average can include match, profit sharing, or other employer contributions. Review the match and contribution details. - Employee contributions per reported participant: $2,054
Based on the 2024 public filing. Individual contribution rates vary with pay, eligibility, and participation. Model a contribution increase. - Reported administrative expenses as a share of assets: 0.07%
Based on the 2024 public filing. This plan-level administrative ratio does not replace current fund expense ratios or participant fee disclosures. Estimate the long-term impact of fees.
401(k) research guides
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- Connect Plan, Fund, Portfolio, and Calculator Research
Related Calculators
Fund-to-fund research links
Compare VFINX, VEXMX, VBISX, VTINX side by side using common return periods and risk measures. Compare funds that serve a similar portfolio role, then review volatility, drawdown, dividends, and fees before choosing.
- VFINX fund research
- VEXMX fund research
- VBISX fund research
- VTINX fund research
- VTWNX fund research
- VTTVX fund research
Use the stock, fund, or portfolio return comparison calculator to test other combinations, then move the selected funds into the portfolio calculator simulator to review the combined allocation.
Browse the fund and ETF ticker research hub to look up other retirement-plan investments by symbol.
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