401(k) Investment Lineup

Our unique strategy builder helps participants build the best portfolio for their needs.

Participants won’t need to worry about which investments to choose when you use 401GO. We’ve developed a tool to give them the best portfolio for their specific needs by answering just a few questions.
Many legacy providers create a few generic boxes and force participants into one or another. Our strategy builder is able to provide a much more customized approach. It takes into account the time horizon and risk tolerance, so that each employee gets exactly what they need, nothing more or less. It only takes about 5 minutes for employees to create their new accounts and begin building their portfolio. It’s the easiest, most customized system available today for your team!
2048
Retirement year
30% US large cap
41% S&P 500 index
61% Emerging markets
9% Global bonds
4% Govt. bonds
Risk Tolerance Medium
Time horizon
How old are you? When do you plan to retire? This tells us how many years you have to save, invest, and build your wealth. Those with a long time horizon have more time to offset short term market declines. Those who are closer to retirement have a decreased capacity for risk and should be more cautious with their savings.
2045
Retirement year
28% US large cap
43% S&P 500 index
12% Emerging markets
9% Global bonds
8% Govt. bonds
Risk Tolerance High
Risk tolerance
How much risk are you willing to take on? Do you prefer to keep your retirement savings in safer, more stable funds? Your personality is a factor in building the right portfolio for you. If you are risk averse, then it’s in your best interests to have a portfolio that is less volatile with lower risk exposure.

Our investment lineup includes a diverse selection of proven and affordable funds.

Bonds & Cash

Name

Ticker

Expense Ratio

American Century High Income Fund

AHIDX

0.78

American Century Short Duration Fund

ASDDX

0.32

American Century Short Duration Strategic Income Fund

ASXDX

0.43

DFA Intermediate Government Fixed Income Portfolio

DFIGX

0.11

DFA Investment Grade Portfolio 

DFAPX

0.19

DFA Social Fixed Income Portfolio

DSFIX

0.21

Fidelity U.S. Bond Index Fund

FXNAX

0.025

Invesco BulletShares 2025 HI

BSJP

0.42

BlackRock Ultra Short-Term Bond ETF

ICSH

0.08

Schwab Treasury Inflation Protected Securities Index Fund

SWRSX

0.05

Schwab U.S. Aggregate Bond Index Fund

SWAGX

0.04

T. Rowe Price Global Multi-Sector Bond Fund

PGMSX

0.49

Vanguard High-Yield Corporate Fund Admiral Shares

VWEAX

0.13

Vanguard Inflation-Protected Securities Fund

VAIPX

0.07

Vanguard Intermediate-Term Corporate Bond Index Fund Admiral Shares

VICSX

0.04

Vanguard Short-Term Federal Fund Admiral Shares

VSGDX

0.10

Vanguard Short-Term Investment-Grade Fund

VFSUX

0.07

VictoryShares Short-Term Bond ETF

USTB

0.35

Voya Investment Grade Credit Fund Class R6

VIGTX

0.63

Cash
0.00
Equity

Name

Ticker

Expense Ratio

American Century Small Cap Growth Fund R6 Class

ANODX

0.97

Cambria Trinity ETF

TRTY

0.50

Calvert Equity Fund Class I

CEYIX

0.69

DFA Emerging Markets Core Equity Portfolio

DFCEX

0.40

DFA Emerging Markets Portfolio I

DFEMX

0.36

DFA Emerging Markets Small Cap Portfolio Institutional Class

DEMSX

0.59

DFA Emerging Markets Targeted Value Portfolio Institutional Class

DEMGX

0.66

DFA Emerging Markets Value Portfolio

DFEVX

0.44

DFA Global Equity Portfolio Institutional Class

DGEIX

0.25

DFA International Core Equity Portfolio Institutional Class

DFIEX

0.24

DFA International Large Cap Growth Portfolio

DILRX

0.30

DFA International Small Cap Growth Portfolio

DISMX

0.47

DFA International Small Cap Value Portfolio Institutional Class

DISVX

0.44

DFA International Small Company Portfolio Institutional Class

DFISX

0.39

DFA International Value Portfolio Institutional Class

DFIVX

0.28

DFA Real Estate Securities Portfolio Institutional Class

DFREX

0.18

DFA U.S. Core Equity 1 Portfolio Institutional Class

DFEOX

0.14

DFA U.S. Core Equity II Portfolio Institutional Class

DFQTX

0.18

DFA U.S. Large Company Portfolio

DFUSX

0.08

DFA U.S. Micro Cap Portfolio Institutional Class

DFSCX

0.40

DFA U.S. Small Cap Portfolio Institutional Class

DFSTX

0.27

DFA U.S. Small Cap Value Portfolio Institutional Class

DFSVX

0.30

DFA U.S. Targeted Value Portfolio

DFFVX

0.29

DFA World Core Equity Portfolio Institutional Class

DREIX

0.27

Fidelity 500 Index Fund

FXAIX

0.015

Fidelity Blue Chip Growth Fund

FBGRX

0.79

Fidelity Emerging Markets Index Fund

FPADX

0.075

Fidelity International Index Fund

FSPSX

0.035

Fidelity Large Cap Growth Index Fund

FSPGX

0.035

Fidelity Mid Cap Index Fund

FSMDX

0.025

Fidelity Total Market Index Fund

FSKAX

0.015

FlexShares STOXX US ESG Select Index ETF

ESG

0.32

iShares MSCI Intl Quality Factor ETF

IQLT

0.30

iShares Residential and Multisector Real Estate ETF

REZ

0.48

Core S&P Small-Cap ETF iShares

IJR

0.06

iShares S&P 500 Index Fund

WFSPX

0.10

JPMorgan Diversified Return U.S. Small Cap Equity ETF

JPSE

0.29

Russell 1000 Growth ETF iShares

IWF

0.19

Schwab Fundamental US Large Company ETF

FNDX

0.25

Schwab International Index Fund

SWISX

0.06

Schwab S&P 500 Index Fund

SWPPX

0.02

Schwab Total Stock Market Index Fund

SWTSX

0.03

Schwab U.S. Dividend Equity ETF

SCHD

0.06

SPDR Portfolio Small Cap ETF

SPSM

0.05

The Real Estate Select Sector SPDR Fund

XLRE

0.10

TIAA-CREF Quant Small/Mid-Cap Equity Fund Institutional Class

TSMWX

0.50

TIAA-CREF S&P 500 Index Fund Institutional Class

TISPX

0.05

Vanguard 500 Index Fund

VOO

0.03

Vanguard 500 Index Fund

VFIAX

0.03

Vanguard Emerging Markets Stock Index Fund

VEMAX

0.08

Vanguard Growth Index Fund

VUG

0.05

Vanguard Growth Index Fund

VIGAX

0.04

Vanguard LifeStrategy Growth Fund Investor Shares

VASGX

0.14

Vanguard Mid Cap Index Fund

VIMAX

0.04

Vanguard Small Cap Index Fund

VSMAX

0.05

Vanguard Small Cap Value Index Fund

VSIAX

0.07

Vanguard Total International Stock Index Fund Admiral Shares

VTIAX

0.07

Vanguard Total Stock Market Index Fund

VTSAX

0.03

Vanguard Value Index Fund

VVIAX

0.04

Sector

Name

Ticker

Expense Ratio

Aberdeen abrdn Physical Gold Shares ETF

SGOL

0.17

DFA Global Real Estate Securities Portfolio

DFGEX

0.22

DFA U.S. Sustainability Core 1 Portfolio

DFSIX

0.17

Fidelity MSCI Financials Index ETF

FNCL

0.084

Fidelity MSCI Information Technology Index ETF

FTEC

0.084

Vanguard Energy Index Fund

VDE

0.10

Vanguard Health Care Index Fund

VHT

0.10

Vanguard Materials Index Fund

VMIAX

0.10

Target Date

Name

Ticker

Expense Ratio

American Funds 2025 Target Date Retirement Fund

RFDTX

0.32

American Funds 2030 Target Date Retirement Fund

RFETX

0.33

American Funds 2035 Target Date Retirement Fund

RFFTX

0.35

American Funds 2040 Target Date Retirement Fund

RFGTX

0.41

American Funds 2045 Target Date Retirement Fund

RFHTX

0.37

American Funds 2050 Target Date Retirement Fund

RFITX

0.43

American Funds 2055 Target Date Retirement Fund

RFKTX

0.38

American Funds 2060 Target Date Retirement Fund

RFUTX

0.43

American Funds 2065 Target Date Retirement Fund

RFVTX

0.38

Schwab Target 2020 Index Fund

SWYLX

0.08

Schwab Target 2025 Index Fund

SWYDX

0.08

Schwab Target 2030 Index Fund

SWYEX

0.08

Schwab Target 2035 Index Fund

SWYFX

0.08

Schwab Target 2040 Index Fund

SWYGX

0.08

Schwab Target 2045 Index Fund

SWYHX

0.08

Schwab Target 2050 Index Fund

SWYMX

0.08

Schwab Target 2055 Index Fund

SWYJX

0.08

Schwab Target 2060 Index Fund

SWYNX

0.08

Vanguard Target Retirement 2020 Fund

VTWNX

0.08

Vanguard Target Retirement 2025 Fund

VTTVX

0.08

Vanguard Target Retirement 2030 Fund

VTHRX

0.08

Vanguard Target Retirement 2035 Fund

VTTHX

0.08

Vanguard Target Retirement 2040 Fund

VTORX

0.08

Vanguard Target Retirement 2045 Fund

VTIVX

0.08

Vanguard Target Retirement 2050 Fund

VFIFX

0.08

Vanguard Target Retirement 2055 Fund

VFFVX

0.08

Vanguard Target Retirement 2060 Fund

VTTSX

0.08

Vanguard Target Retirement 2065 Fund

VLXVX

0.08

Vanguard Target Retirement 2070 Fund

VSVNX

0.08

We want you to succeed.

A 401(k) is often the first experience people have with investing, and we want it to be a good one. We strive to give you a platform you can easily navigate, along with a good selection of affordable funds that have the potential to perform well.

The sooner you begin, the more you can save for your future. We want your retirement savings to be able to support you when you need it, so we supply you with plenty of fund options.

The right diversity will strengthen your portfolio. We offer funds that perform differently to market conditions, to help you maximize your progress.
Your investments should not be expensive. We offer high-quality, affordable funds that don’t eat into your dividends.
Your investing experience should be customized. Your age, your planned retirement age, your income needs, your savings ability, and your risk tolerance all contribute to a unique portfolio that’s created just for you.

Bring your financial advisor with you.

If you already work with a financial advisor, we’re happy to partner with them to provide your company the best service. Financial advisor partners are welcome to serve as a 3(38) investment fiduciary if they choose, building custom fund lineups and models just for your plan.

We encourage businesses to use a financial advisor. They are proven to improve outcomes for business as well as participants. 

When your advisor partners with us, they can help you: 

Create custom fund lineups and models
Help set up your plan and choose a plan design

Work to improve plan participation and outcomes

Frequently Asked Questions

How do participants select investments?

401GO has created a unique guided portfolio builder. Rather than force participants into a pre-determined box, our builder asks a few questions to determine investing goals and retirement needs, and uses this information to suggest a customized portfolio.

Participants don’t have to accept what the portfolio builder provides, but it is certainly helpful to understand what type of investments match up with the chosen age, time of retirement, and tolerance level for risk.

Who is your custodial partner?

Every 401(k) plan is fully integrated with the Matrix Trust Company, part of the Broadridge family of services, to provide custodial services.

Matrix has deep roots in the financial services industry, and is trusted by financial professionals to safeguard plan assets.

Do I need a fidelity bond?

The IRS requires businesses to have insurance to protect 401(k) participants against fraud or misappropriation by those who have access to funds. Most business insurance plans will cover up to $100,000, so when plan assets are higher than this, it’s important to purchase a fidelity bond.

A fidelity (or ERISA) bond is an insurance policy which covers 10% of plan assets. If you purchase a GO-Plus or GO-Premier plan from 401GO, your fidelity bond will be included, so you won’t need to worry about it.

How do I know my plan assets are safe?

401GO does the record-keeping and administration for your 401(k) account, but is not the custodian. We partner with Broadridge Matrix Trust Company, and they hold the plan assets, which are then invested into the market. 401GO directs these trades through its platform.

401(k) accounts are some of the most secure accounts you can have. Matrix uses bank-level security and adhere to multiple industry standards to ensure the safety of assets. 401GO also maintains exceedingly high standards for data protection, including 3rd party penetration tests, extensive background checks of employees, secure password enforcement and more.

Additionally, plan sponsors are usually required to purchase a fidelity bond, which is an insurance policy that protects the funds in the case of fraud, theft, embezzlement or misappropriation.

How often can investments be changed?

Participants can change investments at any time. Make as many adjustments as you want!

How do participants manage their accounts?

Go to app.401go.com to log in. We recommend setting up two-factor authentication, which can be done using text, phone, or an authenticator app.

While we don’t (yet!) have iOS or android apps available, it is possible to add a browser page to your phone, as if it is an app.

SAMSUNG: Navigate to your account login page, tap the three dots at the top right of your screen, then choose “add to home screen.”
iPHONE: See the Apple user guide here.

Once logged in, participants can manage beneficiaries, change investments and deferral amounts, change their email address, or request a loan or distribution.

"They offer a great selection of low-fee index mutual funds from multiple families."

– Kelly B.

"401GO uses a wide range of low-cost ETFs."

– Bradley S.

"The ongoing administration is very easy. The selection of funds is fantastic."

– Steve T.

LEARN MORE ABOUT RETIREMENT BENEFITS

Target-Date Funds in 401(k) Plans

Target-Date Funds in 401(k) Plans

As TDFs have changed, they have morphed into an entity that lends itself to easier and greater personalization toward the participant.