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

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.

Name Ticker Expense Ratio
iShares S&P 500 Index Fund
WFSPX
0.00
iShares Residential and Multisector Real Estate ETF
REZ
0.48
Voya Investment Grade Credit Fund Class R6
VIGTX
0.63
Vanguard Growth Index Fund
VUG
0.04
T. Rowe Price Global Multi-Sector Bond Fund I Class
PGMSX
0.48
Schwab Fundamental U.S. Large Company Index ETF
FNDX
0.25
The Real Estate Select Sector SPDR Fund
XLRE
0.12
American Century Small Cap Growth Fund R6 Class
ANODX
0.87
American Century Short Duration Fund R6 CLASS
ASDDX
0.35
American Century Short Duration Strategic Income Fund
ASXDX
0.28
American Century High Income Fund R6 Class
AHIDX
0.54
Schwab U.S. Dividend Equity ETF
SCHD
0.06
Fidelity Blue Chip Growth Fund
FBGRX
0.79
ContentFidelity Large Cap Growth Index Fund
FSPGX
0.035
Calvert Equity Fund Class I
CEYIX
0.69
iShares Ultra Short-Term Bond ETF
ICSH
0.08
abrdn Physical Gold Shares ETF
SGOL
0.17
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
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
Fidelity U.S. Bond Index Fund
FXNAX
0.025
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 Social Fixed Income Portfolio Institutional Class
DSFIX
0.25
DFA Emerging Markets Core Equity Portfolio Institutional Class
DFCEX
0.39
DFA International Core Equity Portfolio Institutional Class
DFIEX
0.25
DFA U.S. Sustainability Core 1 Portfolio
DFSIX
0.20
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 High-Yield Corporate Fund Admiral Shares
VWEAX
0.13
Vanguard Inflation-Protected Securities Fund Admiral Shares
VAIPX
0.10
Vanguard Short-Term Investment-Grade Fund Admiral Shares
VFSUX
0.10
Vanguard Total International Stock Index Fund Admiral Shares
VTIAX
0.11
Vanguard Small Cap Value Index Fund Admiral Shares
VSIAX
0.07
Vanguard Small-Cap Index Fund Admiral Shares
VSMAX
0.05
Vanguard Mid-Cap Index Fund Admiral Shares
VIMAX
0.05
Vanguard Value Index Fund
VVIAX
0.05
Vanguard 500 Index Fund
VFIAX
0.04
Vanguard Growth Index Fund Admiral Shares
VIGAX
0.05
Vanguard Total Stock Market Index Fund Admiral Shares
VTSAX
0.04
DFA World Core Equity Portfolio Institutional Class
DREIX
0.27
DFA Investment Grade Portfolio Institutional Class Shares
DFAPX
0.22
DFA Emerging Markets Small Cap Portfolio Institutional Class
DEMSX
0.60
DFA Emerging Markets Value Portfolio Institutional Class
DFEVX
0.46
DFA Emerging Markets Portfolio Institutional Class
DFEMX
0.35
DFA Global Real Estate Securities Portfolio
DFGEX
0.24
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
0.33
DFA U.S. Large Company Portfolio
DFUSX
0.08
DFA Intermediate Government Fixed Income Portfolio Institutional Class
DFIGX
0.12
Vanguard FTSE Social Index Fund Admiral
VFTAX
0.14
DFA Global Equity Portfolio Institutional Class
DGEIX
0.25
Vanguard LifeStrategy Growth Fund Investor Shares
VASGX
0.14
Fidelity MSCI Information Technology Index ETF
FTEC
0.084
Vanguard Health Care Index Fund
VHT
0.10
Fidelity MSCI Financials Index ETF
FNCL
0.084
Vanguard Energy Index Fund
VDE
0.10
Vanguard Materials Index Fund
VMIAX
0.10
Vanguard Intermediate-Term Corporate Bond Index Fund Admiral Shares
VICSX
0.07
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
Vanguard Emerging Markets Stock Index Fund
VEMAX
0.14
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
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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