Investments
Expand Financial (EXPAND) serves as a 3(38) investment fiduciary to oversee the plan’s investment menu, giving you the expertise to maintain quality investments and meet ERISA standards.
Investment Policy
EXPAND provides a written Investment Policy Statement (IPS) to guide investment decisions.
Quarterly Monitoring
EXPAND monitors the investment lineup each quarter to ensure investments are meeting standards defined in the IPS.
Fund Replacements
If an investment fails to meet the IPS standards, EXPAND replaces investments as needed.
Quarterly Reports
EXPAND provides you with quarterly plan investment reports that you and your advisor can review together.
Financial advice is offered through Expand Financial, a SEC Registered Investment Adviser.
Core Investment Lineup
Participants can choose their own investment options and asset allocation from the following investments.
See important investment disclosures at the bottom of this page.
Managed Account Options
Launch401k offers five different managed account options to simplify and streamline participant investing. Employers and their Investment Advisors may choose 2 out of the following options but only one per category: target date, risk based, participant managed accounts.
DFA Target Date Funds
With Dimensional Fund Advisor’s (DFA) Target Date Funds, participants choose the fund corresponding to their age bracket. Dimensional manages the account, and over time, the investment emphasis shifts from income growth to income risk management.
TIAA-CREF Lifecycle Funds
TIAA CREF Lifecycle Funds are designed to help investors maintain their standard of living in retirement, balance market, longevity and inflation risks and ensure age-appropriate asset allocation for all phases of life.
Tandem ETF Portfolios
Keeping it Simple: Tandem ETF Portfolios consist of four risk-based asset allocation portfolios that invest mainly in ETFs. Each portfolio provides diversification across multiple asset classes consistent with an investor’s risk profile.
Janus Henderson Global Allocation Funds
Janus Henderson Global Allocation Funds offer broad global diversification for investors through a strategic allocation across equities, fixed income and alternatives. Choose the option best suited to your risk tolerance.
StoryLine by Stadion
StoryLine provides participants with a personalized investment experience considering variables unique to each participant. Stadion serves as a participant fiduciary and is required to act in the best interest of participants.
Professional Money Management
Participants enjoy the benefits of having their account managed by a professional.
Manage Risk Through Retirement
Managed to reduce interest rate, market, and inflation risks up to and through retirement.
Retirement Income Planning
The investments are designed to help participants plan for and invest toward retirement income needs.
Asset Allocation Over Time
Over time, the investment emphasis shifts from income growth to income risk management.
The funds are offered in five-year increments, with the target date indicating when an investor may expect to retire and stop making contributions to the fund.
Available Investments and Performance History
See important investment disclosures at the bottom of this page.
StoryLine by Stadion
StoryLine provides participants with a personalized investment experience considering variables unique to each participant. Stadion serves as a participant fiduciary and is required to act in the best interest of participants.
Stadion StoryLine is a professionally professionally managed account solution. It starts with an important premise: Every company – and every employee in that company – has a unique story. And those stories should inform their retirement plan. StoryLine is built with the funds from the underlying investments within the plan’s core lineup and portfolio allocations and glide paths are tailored at the company level and further refined at the participant level based on their age and risk tolerance questionnaire. StoryLine provides a personalized investment experience considering variables unique to each participant, at no cost to the employer. StoryLine attempts to make retirement investing easy – no need for participants to research investments, select funds, or make decisions. StoryLine seeks to manage participant emotions and improve outcomes. A Consultant from Stadion can provide on-site enrollment support, if requested. In addition, Stadion provides participants with live phone support to discuss investments. StoryLine goes beyond simple risk and age-based assessments. Plan-level customization takes into account a company’s unique workforce, and participants further tailor their account with Stadion’s proprietary risk tolerance questionnaire. The S&P 500 Index is the Standard & Poor’s Composite Index of 500 stocks and is a widely recognized, unmanaged index of common stock prices. It is not possible to invest directly in indexes (like the S&P 500) which are unmanaged and do not incur fees and charges. Investments are subject to risk and any of Stadion’s investment strategies may lose money. Past performance is no guarantee of future results. StoryLine is a marketing term associated with investment advisory services and products provided by Stadion Money Management, LLC. Certain of the StoryLine accounts and funds utilize exchange-traded funds that bear the SPDR® trademark to implement Stadion’s investment strategy. Stadion receives both an annual payment and reimbursement for certain marketing and other assistance in connection with the StoryLine Accounts from State Street Global Advisors or its affiliates in connection with Stadion’s use of SPDR® ETFs in the StoryLine Accounts. StoryLine is not managed, sponsored or endorsed by State Street Global Advisors or its affiliates and is not guaranteed by Stadion or its affiliates or by State Street Global Advisors or its affiliates. No party makes any representation or warranty, express or implied, regarding the advisability of investing in the StoryLine Accounts, including “StoryLine. Built with SPDR® ETFs.” State Street Global Advisors has no obligations to take into consideration the StoryLine Accounts or investors in the StoryLine Account when managing or creating SPDR® ETFs. Standard & Poor’s®, S&P®, S&P 500®, Standard & Poor’s 500, 500, Standard & Poor’s Depositary Receipts, and SPDRs® are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by State Street Global Markets, LLC. Standard & Poor’s®, S&P® and SPDR® are registered trademarks of Standard & Poor’s Financial Services LLC(S&P); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones); and these trademarks have been licensed for use by S&P Dow Jones Indices LLC (SPDJI) and sublicensed for certain purposes by State Street Corporation. State Street Corporation’s financial products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and third-party licensors and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability in relation thereto, including for any errors, omissions, or interruptions of any index. Determining a plan QDIA is an important fiduciary step. Stadion’s StoryLine offers customized plan level default glide paths designed to align with the participant population. Each plan sponsor has access to a document explaining how certain inputs may affect a plan default selection. This chart shows how the mix of investments will be adjusted gradually over time to seek to reduce risk to help plan participants preserve what they’ve saved as they near retirement.Professional Money Management
Customized Risk Management
Hands-On Support
Plan-Level Customization
Custom Plan Level Qualified Default Investment Alternative (QDIA)
Plan Level QDIA Example
Tandem ETF Portfolios
Keeping it Simple: Tandem ETF Portfolios consist of four risk-based asset allocation portfolios that invest mainly in ETFs. Each portfolio provides diversification across multiple asset classes consistent with an investor’s risk profile.
Participant’s seeking help from a professional money manager can choose one of Tandem’s four Exchange Traded Fund (ETF) Portfolios. These portfolios include the following benefits: Simple With Tandem, investing is simple for employees. They choose a single, professionally-managed portfolio based on answers to a risk questionnaire they take during enrollment, and the Tandem team does the rest. Balanced Working within a proven investment discipline, each portfolio provides diversification across multiple asset classes consistent with an investor’s risk profile. They aim to provide sustainable returns without unnecessary risk. Transparent Using Exchange Traded Funds to construct portfolios increases transparency over traditional mutual funds. With ETFs, investors and asset managers know exactly what they hold, making investment decisions more precise. The Tandem Conservative Portfolio seeks to protect principal by investing in lower-risk securities with less fluctuation such as fixed income and money market securities. A smaller portion of the portfolio is invested in equities to help offset inflation The Moderate Conservative Portfolio seeks to protect a larger portion of the portfolios value, while taking on some risk with equity exposure for inflation protections. While still holding a portion of its assets in equities, a higher percentage in fixed income dampens short-term volatility, foregoing higher long-term returns for stability. The Tandem Moderate Portfolio balances risk and return to provide both capital appreciation and interest income for long-term gains. This balanced portfolio is likely to entail fluctuations in value over short-term periods, but with less volatility than the overall equity market over long-term periods. The Tandem Moderate Aggressive Portfolio favors investors with the capacity to ride out volatility and variations in return to obtain long-term growth of capital. This allocation involves more risk, but not as much as a portfolio invested only in equities. Performance History See important investment disclosures at the bottom of this page.Tandem ETF™ Portfolios consist of four risk-managed strategies that seek to balance short and long-term risk and achieve returns that are stable, understandable, and sustainable.
Tandem Conservative Portfolio™
Tandem Moderative Conservative Portfolio™
Tandem Moderate Portfolio™
Tandem Moderate Aggressive Portfolio™
Tandem’s four continuously managed, risk-based portfolios help investor’s grow and shelter their retirement savings. The performance for each of these strategies is shown below.
Participants seeking help from a professional money manager can choose TIAA CREF Lifecycle Funds. These funds are designed to help investors: Human capital/financial capital framework dictates declining equity exposure over time. As a person’s career progresses, the time available to earn income declines, resulting in a gradual reduction of human capital. In contrast, financial capital (an individual’s accumulated wealth in stocks, bonds and other investment assets) is generally lower for younger people and grows over time.
Portfolio Design
The funds are offered in five-year increments, with the target date indicating when an investor may expect to retire and stop making contributions to the fund. The following are TIAA CREF Lifecycle Funds.
As a leading global asset manager, Janus Henderson offers numerous investment options designed to help you reach your investment goals. After looking at our investment line-up, you may be feeling overwhelmed and not sure where to start. We aim to make investing with us an easy process for our clients. Janus Henderson Global Allocation Funds offer broad global diversification for investors through a strategic allocation across equities, fixed income and alternatives, with the goal of providing the opportunity for higher returns and lower volatility. These funds of funds offer broad global diversification in a single investment by utilizing the full spectrum of Janus Henderson Investment expertise and solutions. The Funds are built to match your risk tolerance. Targeting an allocation of 30% to 50% equities, 50% to 65% fixed income and 0% to 20% alternatives, this fund may be suitable for conservative investors desiring a well-diversified portfolio that seeks to exceed the long-term returns of fixed income markets. Targeting an allocation of 45% to 65% equities, 30% to 45% fixed income, and 5% to 20% alternatives, this fund may be suitable for moderate investors desiring a well-diversified portfolio that seeks to exceed the long-term returns of broad markets. Targeting an allocation of 70% to 85% equities, 10% to 25% fixed income, and 5% to 20% alternatives, this fund may be suitable for growth investors desiring a well-diversified portfolio that seeks to exceed the long-term returns of broad markets.Janus Henderson Global Allocation Funds
GLOBAL ALLOCATION FUND – CONSERVATIVE (JCAIX)
GLOBAL ALLOCATION FUND – MODERATE (JMOIX)
GLOBAL ALLOCATION FUND – GROWTH (JGCIX)
The following chart shows performance history of the Janus Henderson Global Allocation Funds.
Below are important disclosures about the investment information presented on this page.
Investment Chart Data Sources.
On the above chart, the columns for Investment Name, Morningstar Category, Inception Date, Expense Ratio and return information is provided by Morningstar, Inc. The columns specifying QDIA as well as the list of funds is provided by eFiduciary Advisor. ‘Principal Focused – Extended Duration’ investment option will have underlying fixed income investments with a longer average duration than a Cash Equivalent.
Stable Value and Fixed Income Disclosures.
Some Stable Value and Fixed Income Investment Options include restrictions at contract termination. Plan Sponsors should carefully review product contracts for applicable limits, rules and payout options.
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The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.