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!

sample portfolio med

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.

sample portfolio 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
Voya Investment Grade Credit Fund Class R6 VIGTX 0.00
T. Rowe Price Global Multi-Sector Bond Fund PGMSX 0.00
American Century Short Duration Fund R6 CLASS ASDDX 0.00
American Century Short Duration Strategic Income Fund ASXDX 0.00
American Century High Income Fund R6 Class AHIDX 0.00
iShares Ultra Short-Term Bond ETF ICSH 0.08
Fidelity U.S. Bond Index Fund FXNAX 0.025
DFA Social Fixed Income Portfolio Institutional Class DSFIX 0.25
Vanguard High-Yield Corporate Fund Admiral Shares VWEAX 0.13
Vanguard Inflation-Protected Securities Fund VAIPX 0.00
Vanguard Short-Term Investment-Grade Fund Admiral Shares VFSUX 0.10
DFA Investment Grade Portfolio Institutional Class Shares DFAPX 0.22
DFA Intermediate Government Fixed Income Portfolio Institutional Class DFIGX 0.12
Vanguard Intermediate-Term Corporate Bond Index Fund Admiral Shares VICSX 0.00
Schwab Treasury Inflation Protected Securities Index Fund SWRSX 0.05
Vanguard Short-Term Federal Fund Admiral Shares VSGDX 0.10
Schwab U.S. Aggregate Bond Index Fund SWAGX 0.04
Cash 0.00

Equity

Name Ticker Expense ratio
iShares S&P 500 Index Fund WFSPX 0.00
iShares Residential and Multisector Real Estate ETF REZ 0.48
Vanguard Growth Index Fund VUG 0.04
TIAA-CREF S&P 500 Index Fund Institutional Class TISPX 0.00
TIAA-CREF Quant Small/Mid-Cap Equity Fund Institutional Class TSMWX 0.50
SPDR S&P 600 Small Cap ETF SLY 0.15
The Real Estate Select Sector SPDR Fund XLRE 0.10
JPMorgan Diversified Return U.S. Small Cap Equity ETF JPSE 0.29
American Century Small Cap Growth Fund R6 Class ANODX 0.87
Schwab U.S. Dividend Equity ETF SCHD 0.06
Fidelity Blue Chip Growth Fund FBGRX 0.79
Fidelity Large Cap Growth Index Fund FSPGX 0.035
Calvert Equity Fund Class I CEYIX 0.69
iShares Core S&P Small-Cap ETF IJR 0.06
iShares MSCI Intl Quality Factor ETF IQLT 0.30
ATAC Rotation Fund Institutional Class ATCIX 1.69
DFA U.S. Small Cap Portfolio Institutional Class DFSTX 0.33
DFA Emerging Markets Targeted Value Portfolio Institutional Class DEMGX 0.73
DFA International Small Cap Growth Portfolio DISMX 0.56
DFA International Large Cap Growth Portfolio DILRX 0.29
DFA Real Estate Securities Portfolio Institutional Class DFREX 0.18
DFA U.S. Small Cap Value Portfolio Institutional Class DFSVX 0.39
DFA U.S. Micro Cap Portfolio Institutional Class DFSCX 0.44
Fidelity Emerging Markets Index Fund FPADX 0.075
Fidelity International Index Fund FSPSX 0.035
Fidelity 500 Index Fund FXAIX 0.015
Fidelity Total Market Index Fund FSKAX 0.015
DFA Emerging Markets Core Equity Portfolio Institutional Class DFCEX 0.39
DFA International Core Equity Portfolio Institutional Class DFIEX 0.25
DFA U.S. Core Equity II Portfolio Institutional Class DFQTX 0.19
DFA U.S. Core Equity 1 Portfolio Institutional Class DFEOX 0.15
Vanguard Total International Stock Index Fund Admiral Shares VTIAX 0.00
Vanguard Small Cap Value Index Fund Admiral Shares VSIAX 0.00
Vanguard Small-Cap Index Fund Admiral Shares VSMAX 0.00
Vanguard Mid-Cap Index Fund Admiral Shares VIMAX 0.00
Vanguard Value Index Fund VVIAX 0.00
Vanguard 500 Index Fund VFIAX 0.00
Vanguard Growth Index Fund VIGAX 0.00
Vanguard Total Stock Market Index Fund VTSAX 0.00
DFA World Core Equity Portfolio Institutional Class DREIX 0.27
DFA Emerging Markets Small Cap Portfolio Institutional Class DEMSX 0.6
DFA Emerging Markets Value Portfolio Institutional Class DFEVX 0.00
DFA Emerging Markets Portfolio Institutional Class DFEMX 0.35
DFA International Small Company Portfolio Institutional Class DFISX 0.44
DFA International Small Cap Value Portfolio Institutional Class DISVX 0.49
DFA International Value Portfolio Institutional Class DFIVX 0.34
DFA U.S. Targeted Value Portfolio Institutional Class DFFVX 0.00
DFA U.S. Large Company Portfolio DFUSX 0.08
DFA Global Equity Portfolio Institutional Class DGEIX 0.25
Vanguard LifeStrategy Growth Fund Investor Shares VASGX 0.14
Vanguard Emerging Markets Stock Index Fund VEMAX 0.00
Schwab International Index Fund SWISX 0.06
Fidelity Mid Cap Index Fund FSMDX 0.025
Schwab S&P 500 Index Fund SWPPX 0.02
Schwab Total Stock Market Index Fund SWTSX 0.03

Sector

Name Ticker Expense ratio
Aberdeen abrdn Physical Gold Shares ETF SGOL 0.17
DFA U.S. Sustainability Core 1 Portfolio DFSIX 0.20
DFA Global Real Estate Securities Portfolio DFGEX 0.24
Vanguard FTSE Social Index Fund VFTAX 0.00
Fidelity MSCI Information Technology Index ETF FTEC 0.08
Vanguard Health Care Index Fund VHT 0.10
Fidelity MSCI Financials Index ETF FNCL 0.08
Vanguard Energy Index Fund VDE 0.10
Vanguard Materials Index Fund VMIAX 0.00

Target Date

Name Ticker Expense ratio
American Funds 2065 Target Date Retirement Fund Class R-5 REOTX 0.00
American Funds 2060 Target Date Retirement Fund Class R-5 REMTX 0.00
American Funds 2035 Target Date Retirement Fund Class R-5 REFTX 0.00
American Funds 2030 Target Date Retirement Fund Class R-6 RFETX 0.00
American Funds 2025 Target Date Retirement Fund RFDTX 0.00
American Funds 2055 Target Date Retirement Fund Class R-6 RFKTX 0.00
American Funds 2050 Target Date Retirement Fund Class R-6 RFITX 0.00
American Funds 2040 Target Date Retirement Fund Class R-6 RFGTX 0.00
American Funds 2045 Target Date Retirement Fund Class R-6 RFHTX 0.00
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 2045 Fund VTIVX 0.08
Vanguard Target Retirement 2040 Fund VFORX 0.08
Vanguard Target Retirement 2035 Fund VTTHX 0.08
Vanguard Target Retirement 2065 Fund VLXVX 0.08
Vanguard Target Retirement 2030 Fund VTHRX 0.08
Vanguard Target Retirement 2025 Fund VTTVX 0.08
Vanguard Target Retirement 2020 Fund VTWNX 0.08
Schwab Target 2060 Index Fund SWYNX 0.08
Schwab Target 2055 Index Fund SWYJX 0.08
Schwab Target 2050 Index Fund SWYMX 0.08
Schwab Target 2045 Index Fund SWYHX 0.08
Schwab Target 2040 Index Fund SWYGX 0.08
Schwab Target 2035 Index Fund SWYFX 0.08
Schwab Target 2030 Index Fund SWYEX 0.08
Schwab Target 2025 Index Fund SWYDX 0.08
Schwab Target 2020 Index Fund SWYLX 0.08
investment philosophy

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 own advisor

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, 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 businesses as well as participants.

When your financial advisor partners with 401GO, 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
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