WARNER CONSTRUCTION, INC. 401(K) PLAN
Invest in WARNER CONSTRUCTION, INC. 401(K) PLAN
When it comes to invest in WARNER CONSTRUCTION, 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 WARNER CONSTRUCTION, 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
WARNER CONSTRUCTION, 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 WARNER CONSTRUCTION, INC. 401(K) PLAN (as of 2021) |
|---|
| AMERICAN CENTURY GOVERNMENT BOND RE (TRANSAMERICA LIFE INSURANCE COMPANY) |
| FRANKLIN UTILITIES RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN FUNDS BALANCED RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN CENTURY ONE CHOICE 2045 RE (TRANSAMERICA LIFE INSURANCE COMPANY) |
| JANUS HENDERSON GLOBAL RESEARCH RET (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN CENTURY VALUE RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| INVESCO INTERNATIONAL GROWTH RET OP (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN CENTURY INFLATION-ADJUSTED (TRANSAMERICA LIFE INSURANCE COMPANY) |
| PGIM JENNISON FOCUSED VALUE RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| DFA INFLATION-PROTECTED SECURITIES (TRANSAMERICA LIFE INSURANCE COMPANY) |
| LORD ABBETT VALUE OPPORTUNITIES RET (TRANSAMERICA LIFE INSURANCE COMPANY) |
| LORD ABBETT DIVIDEND GROWTH RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN CENTURY ONE CHOICE 2050 RE (TRANSAMERICA LIFE INSURANCE COMPANY) |
| JANUS FORTY RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| PGIM JENNISON GLOBAL EQUITY INCOME (TRANSAMERICA LIFE INSURANCE COMPANY) |
| LORD ABBETT FUNDAMENTAL EQUITY RET (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN FUNDS FUNDAMENTAL INVESTOR (TRANSAMERICA LIFE INSURANCE COMPANY) |
| NEUBERGER BERMAN HIGH INCOME BOND R (TRANSAMERICA LIFE INSURANCE COMPANY) |
| ALGER RESPONSIBLE INVESTING RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| DFA U.S. TARGETED VALUE PORTFOLIO R (TRANSAMERICA LIFE INSURANCE COMPANY) |
| PGIM TOTAL RETURN BOND RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| FRANKLIN TOTAL RETURN RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| INVESCO DIVERSIFIED DIVIDEND RET OP (TRANSAMERICA LIFE INSURANCE COMPANY) |
| DWS ESG CORE EQUITY RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| ALLSPRING COMMON STOCK RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| VICTORY MUNDER MID-CAP CORE GROWTH (TRANSAMERICA LIFE INSURANCE COMPANY) |
| ARTISAN SMALL CAP RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| ALGER HEALTH SCIENCES RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| INVESCO MAIN STREET MID CAP RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| JPMORGAN CORE BOND RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| VIRTUS ALLIANZGI CONVERTIBLE RET OP (TRANSAMERICA LIFE INSURANCE COMPANY) |
| JANUS HENDERSON BALANCED RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| DELAWARE IVY ASSET STRATEGY RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| BLACKROCK GLOBAL ALLOCATION RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| PGIM JENNISON SMALL COMPANY RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN CENTURY ONE CHOICE 2060 RE (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN CENTURY ONE CHOICE 2025 RE (TRANSAMERICA LIFE INSURANCE COMPANY) |
| ALLSPRING SMALL COMPANY VALUE RET O (TRANSAMERICA LIFE INSURANCE COMPANY) |
| STATE STREET RUSSELL LARGE CAP GROW (TRANSAMERICA LIFE INSURANCE COMPANY) |
| DFA EMERGING MARKETS PORTFOLIO RET (TRANSAMERICA LIFE INSURANCE COMPANY) |
| TA VANGUARD SMALL-CAP GROWTH INDEX (TRANSAMERICA LIFE INSURANCE COMPANY) |
| BLACKROCK INTERNATIONAL DIVIDEND RE (TRANSAMERICA LIFE INSURANCE COMPANY) |
| BLACKROCK CAPITAL APPRECIATION RET (TRANSAMERICA LIFE INSURANCE COMPANY) |
| TA VANGUARD TOTAL STOCK MARKET INDE (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN CENTURY ONE CHOICE IN RETI (TRANSAMERICA LIFE INSURANCE COMPANY) |
| BLACKROCK MID-CAP VALUE RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN CENTURY MID CAP VALUE RET (TRANSAMERICA LIFE INSURANCE COMPANY) |
| BLACKROCK EQUITY DIVIDEND RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| EATON VANCE LARGE-CAP VALUE RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| INVESCO INTERNATIONAL BOND RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| INVESCO DISCOVERY MID CAP GROWTH RE (TRANSAMERICA LIFE INSURANCE COMPANY) |
| VAN ECK GLOBAL HARD ASSETS RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN CENTURY ONE CHOICE 2030 RE (TRANSAMERICA LIFE INSURANCE COMPANY) |
| INVESCO GLOBAL RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| INVESCO GLOBAL REAL ESTATE RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| MAINSTAY MACKAY HIGH YIELD CORPORAT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN CENTURY ONE CHOICE 2035 RE (TRANSAMERICA LIFE INSURANCE COMPANY) |
| ALLSPRING PRECIOUS METALS RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN CENTURY ONE CHOICE 2055 PO (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN FUNDS GROWTH FUND OF AMERI (TRANSAMERICA LIFE INSURANCE COMPANY) |
| TA VANGUARD REAL ESTATE INDEX RET O (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AMERICAN FUNDS WASHINGTON MUTUAL IN (TRANSAMERICA LIFE INSURANCE COMPANY) |
| PIMCO REAL RETURN RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| AB HIGH INCOME RET OPT (TRANSAMERICA LIFE INSURANCE COMPANY) |
| PGIM JENNISON FOCUSED GROWTH RET OP (TRANSAMERICA LIFE INSURANCE COMPANY) |
| PGIM JENNISON NATURAL RESOURCES RET (TRANSAMERICA 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% | 14.67% | 10.25% |
