PENTEGRA DEFINED CONTRIBUTION PLAN FOR FINANCIAL INSTITUTIONS Investment Options

Basic steps for PENTEGRA DEFINED CONTRIBUTION PLAN FOR FINANCIAL INSTITUTIONS investments

  1. 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?
  2. 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.
  3. 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.
  4. Review Investment Options: Evaluate the investment options available within PENTEGRA DEFINED CONTRIBUTION PLAN FOR FINANCIAL INSTITUTIONS (see below for more detailed investment options). Look for funds with low fees, consistent performance, and a track record of meeting their investment objectives.
  5. 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.
  6. 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.
  7. 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

PENTEGRA DEFINED CONTRIBUTION PLAN FOR FINANCIAL INSTITUTIONS provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):

Total Available Funds: 35
Investment Description
RELIANCE TRUST COMPANY STABLE VALUE FUND
METLIFE SERIES
STATE STREET GLOBAL ADVISORS S&P 500 (R) INDEX NL SF CL A
STATE STREET GLOBAL ADVISORS S&P MIDCAP (R) INDEX NL SF CL A
STATE STREET GLOBAL ADVISORS RUSSELL LARGE CAP GROWTH R INDEX SL SF
STATE STREET GLOBAL ADVISORS NASDAQ 100 INDEX
STATE STREET GLOBAL ADVISORS TARGET RETIREMENT 2035 NL SF CL A
STATE STREET GLOBAL ADVISORS INTL INDEX NL SF CL A
STATE STREET GLOBAL ADVISORS MODERATE STRATEGIC BALANCED SL FUND
STATE STREET GLOBAL ADVISORS AGGRESSIVE STRATEGIC BALANCED SL FUND
STATE STREET GLOBAL ADVISORS RUSSELL SMALL CAP (R) INDEX NL SF CL A
STATE STREET GLOBAL ADVISORS TARGET RETIREMENT 2025 NL SF CL A
STATE STREET GLOBAL ADVISORS RUSSELL LARGE CAP VALUE R INDEX SL SF
STATE STREET GLOBAL ADVISORS TARGET RETIREMENT 2030 NL SF CL A
STATE STREET GLOBAL ADVISORS TARGET RETIREMENT 2050 NL SF CL A
STATE STREET GLOBAL ADVISORS CONSERVATIVE STRATEGIC BALANCED SL FUND
STATE STREET GLOBAL ADVISORS TARGET RETIREMENT 2055 NL SF CL A
STATE STREET GLOBAL ADVISORS TARGET RETIREMENT 2020 NL SF CL A
STATE STREET GLOBAL ADVISORS US BOND INDEX NL SF CL A
STATE STREET GLOBAL ADVISORS TARGET RETIREMENT 2040 NL SF CL A
STATE STREET GLOBAL ADVISORS REIT INDEX NL SF CL A
STATE STREET GLOBAL ADVISORS TARGET RETIREMENT 2045 NL SF CL A
STATE STREET GLOBAL ADVISORS US INFLATION PRO BOND INDEX NL SF CL A
STATE STREET GLOBAL ADVISORS US LONG TREASURY INDEX NL SF CL A
STATE STREET GLOBAL ADVISORS TARGET RETIREMENT 2060 NL SF CL A
STATE STREET GLOBAL ADVISORS TARGET RETIREMENT INCOME NL SF CL A
STATE STREET GLOBAL ADVISORS TARGET RETIREMENT 2065 NL SF CL A
T. ROWE T.ROWE BLUE CHIP GROWTH FUND I
AMERICAN FUNDS AMERICAN FUNDS EUROPACIFIC GROWTH FUND R6
AMERICAN BEACON FUNDS AMERICAN BEACON LARGE CAP VALUE FUND INSTITUTIONAL R6
PRINCIPAL GLOBAL INVESTORS PRINCIPAL MIDCAP FUND R-6
DODGE AND COX DODGE AND COX INCOME FUND
MFS MFS MASSACHUSETTS INVESTORS FUND R6
BLACKROCK ADVISORS, LLC BLACKROCK ADVANTAGE SMALL CAP CORE K
CHARLES SCHWAB AND COMPANY INC. SELF DIRECTED BROKERAGE ACCOUNT

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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.

Click to view the investment model portfolios of this plan ►

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: 04/17/2025.
Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Inception
Four Core Asset Portfolio -3.30% 5.79% 3.38% 6.96% 5.72% 6.72% 6.58% 6.24%
Five Core Asset Portfolio -3.56% 5.75% 3.22% 6.81% 5.64% 6.62% 6.67% 6.43%
Three Core Asset Portfolio -3.82% 5.37% 4.04% 7.39% 6.08% 6.93% 6.68% 6.15%
Two Core Asset Portfolio -6.15% 5.01% 4.48% 7.85% 7.11% 8.16% 7.36% 6.63%
Yale Endowment Template -2.70% 7.23% 2.39% 6.78% 6.06% 7.67% 7.40% 7.52%
S&P 500 Index -9.87% 6.47% 7.85% 14.63% 11.64% 12.39% 9.95% 8.00%

See how your investments are doing


Enter the funds you have chosen from this plan along with their weights, and see how such a portfolio has performed.

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