NATIONAL LIFE GROUP 401(K) PLAN Investment Options
Basic steps for NATIONAL LIFE GROUP 401(K) 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 NATIONAL LIFE GROUP 401(K) 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
NATIONAL LIFE GROUP 401(K) PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
Total Available Funds: 23
| Investment Description |
|---|
| THE AMERICAN FUNDS AM FDS EUROPACIFIC GRTH R6 FD |
| FIDELITY INVESTMENTS FIDELITY EXTENDED MKT IDX FD |
| FIDELITY INVESTMENTS FIDELITY TOTAL INT IDX FUND |
| FIDELITY INVESTMENTS FIDELITY US BOND INDEX FUND |
| FIDELITY INVESTMENTS FIDELITY 500 INDEX FUND |
| HARBOR HARBOR CAPITAL APP RET FUND |
| MFS INVESTMENT MANAGEMENT MFS VALUE R6 FUND |
| SCHWAB FUNDS SELF-DIRECTED BROKERAGE ACCT |
| T. ROWE PRICE TRUST COMPANY T ROWE PRICE RTM 2060 TR CL A |
| T. ROWE PRICE TRUST COMPANY T ROWE PRICE RTM 2065 TR CL A |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RTM 2005 TR CL A |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RTM 2010 TR CL A |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RTM 2015 TR CL A |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RTM 2020 TR CL A |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RTM 2025 TR CL A |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RTM 2030 TR CL A |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RTM 2035 TR CL A |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RTM 2040 TR CL A |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RTM 2045 TR CL A |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RTM 2050 TR CL A |
| T. ROWE PRICE TRUST COMPANY T. ROWE PRICE RTM 2055 TR CL A |
| TOUCHSTONE TOUCHSTONE LG CAP FOC INST FD |
| WESTERN ASSET MANAGEMENT COMPANY WESTERN ASSET CR PLS BD IS FD |
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% |
Recent Articles
- Roth IRAs for Retirees
- Lazy Portfolios Aren't Lazy in Growing Wealth
- Lazy Portfolios in Different Market Conditions
- Tax-Efficient Lazy Portfolios
- Lazy Portfolios for Retirement Investing
- How to Implement a Lazy Portfolio
- What Are Lazy Portfolios?
- IRAs as One of the Emergency Fund Sources
- How to Borrow From an IRA?
Free newsletters
High quality resources for 401k, 403b, 529 retirement plans on investment, contribution, fees, retirement planning and much more ...
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
- more ...
Portfolio Calculator (Simulator)
Quickly enter fund allocation and get a back test result on the performance of this 'lazy' portfolio.
Customize Asset Allocation Portfolios
Build a custom model portfolio using our asset strategic or tactical strategies, tailored to a 401(k) plan or for a brokerage account.
Retirement Calculator
See how much you can save for retirement.
Investment Calculator
Grow your wealth and see the power of compounding.
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan ...