VALLEY FOOD SERVICE, INC. 401(K) PLAN
Invest in VALLEY FOOD SERVICE, INC. 401(K) PLAN
When it comes to invest in VALLEY FOOD SERVICE, INC. 401(K) PLAN
- 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 VALLEY FOOD SERVICE, INC. 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
VALLEY FOOD SERVICE, INC. 401(K) PLAN provides a list of funds (mutual funds and collective investment trusts — custom-made mutual funds for the plan):
| Investment Options of VALLEY FOOD SERVICE, INC. 401(K) PLAN (as of 2022) |
|---|
| AUL STABLE VALUE ACCOUNT (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| RETIREMENTTRACK MOD 2065 R1 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| DFA US LARGE CAP GROWTH I (ONE AMERICA) |
| RETIREMENTTRACK MOD RET R1 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| RETIREMENTTRACK MOD 2055 R1 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| RETIREMENTTRACK MOD 2025 R1 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| RETIREMENTTRACK MOD 2035 R1 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| RETIREMENTTRACK MOD 2045 R1 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| AMERFDS NEW PERSPECTIVE R6 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| DFA US LARGE COMPANY I (AMERICAN UNITED LIFE INSURANCE COMPANYA) |
| GOLDMANSACHS LRG CAP GR INS R6 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| MFS MID CAP VALUE R6 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| PIONEER SEL MID CAP GROWTH K (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| PIMCO REAL RETURN INSTL (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| PIONEER BOND K (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| VIRTUS CEREDEX LCV EQTY R6 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| TIAA-CREF LGCAPGRTH INDX INSTL (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| VANGUARD EMRG MKTS STK IDX ADM (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| VANGUARD 500 INDEX ADM (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| VANGUARD REIT INDEX ADM (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| VANGUARD HIGH-YIELD CORP ADM (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| VANGUARD VALUE INDEX ADM (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| AMERFDS AMERICAN MUTUAL R6 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| FIDELITY 500 INDEX (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| FIDELITY SM CAP INDEX (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| FIDELITY MIDCAP IDX (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| FIDELITY INTL INDEX (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| FIDELITY INFLATION PROT BD IDX (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| FRANKLIN SMALL CAP GROWTH R6 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| RETIREMENTTRACK CONS 2045 R1 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| JPMORGAN GLOBAL BOND OPPS R6 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| VANGUARD MIDCAP GROWTH IDX ADM (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| THORNBURG LTD TERM INC R6 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| RETIREMENTTRACK AGG 2055 R1 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| RETIREMENTTRACK AGG 2025 R1 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| RETIREMENTTRACK AGG 2035 R1 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| RETIREMENTTRACK AGG 2045 R1 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| RETIREMENTTRACK CONS 2025 R1 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
| RETIREMENTTRACK CONS 2055 R1 (AMERICAN UNITED LIFE INSURANCE COMPANY) |
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. Once you have decided 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 guide:
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr Ar | 15Yr Ar | 20Yr Ar |
|---|---|---|---|---|---|---|---|
| Core Four Asset Portfolio | 5.38% | 12.71% | 1.54% | 6.55% | 6.18% | 8.22% | 6.88% |
| Five Core Asset Portfolio | 5.48% | 12.71% | 1.33% | 6.44% | 6.13% | 8.16% | 7.01% |
| Three Core Asset Portfolio | 6.48% | 13.88% | 2.17% | 7.18% | 6.55% | 8.35% | 6.97% |
| Two Core Asset Portfolio | 7.40% | 15.63% | 3.51% | 8.37% | 7.84% | 9.69% | 7.61% |
| Yale Endowment Template | 1.50% | 15.03% | 2.98% | 7.38% | 7.23% | 10.55% | 7.73% |
| S&P 500 Index | 15.21% | 26.49% | 9.91% | 14.98% | 12.74% | 14.69% | 10.21% |
